Head-to-Head
Embrace vs Pets Best
Side-by-side comparison of coverage, pricing, waiting periods, and overall value.
Coverage comparison
| Feature | Embrace | Pets Best |
|---|---|---|
| Hereditary | ✓ Yes | ✓ Yes |
| Congenital | ✓ Yes | ✓ Yes |
| Bilateral | ✓ Yes | ✓ Yes |
| Dental | ✓ Yes | ✗ No |
| Behavioral | ✓ Yes | ✓ Yes |
| Prescription | ✓ Yes | ✓ Yes |
| Alternative Therapies | ✓ Yes | ✓ Yes |
| Exam Fees | ✓ Yes | + Add-on |
Pricing comparison
| Dog type | Embrace | Pets Best |
|---|---|---|
| Small (young) | $24–$42/mo | $18–$32/mo |
| Medium (young) | $30–$55/mo | $24–$44/mo |
| Large (young) | $40–$78/mo | $32–$62/mo |
| Brachycephalic | $45–$92/mo | $36–$72/mo |
| Large (senior) | $62–$125/mo | $50–$100/mo |
Plan flexibility
| Option | Embrace | Pets Best |
|---|---|---|
| Deductibles | $200, $300, $500, $750, $1000 | $50, $100, $200, $250, $500 |
| Reimbursement | 70%, 80%, 90% | 70%, 80%, 90% |
| Annual limits | $5,000, $10,000, $15,000, $30,000 | $5,000, $10,000, Unlimited |
Waiting periods
| Type | Embrace | Pets Best |
|---|---|---|
| Accidents | 2 days | 3 days |
| Illness | 14 days | 14 days |
| Orthopedic | 6mo | 6mo |
Strengths & weaknesses
Embrace
✓ Most comprehensive coverage
✓ Dental illness included
✓ Behavioral coverage
✓ Diminishing deductible
✗ No unlimited annual limit
✗ Higher premiums for comprehensive coverage
✗ Annual limits may cap large claims
Pets Best
✓ Competitive pricing
✓ No upper age limit
✓ Fast 3-day accident wait
✓ Unlimited annual limit available
✗ No dental illness coverage
✗ 12-month cruciate wait
✗ Lower commission (affects recommendation bias awareness)
Frequently asked questions
Which is better, Embrace or Pets Best?
Embrace has a higher overall rating. Embrace scores 4.3/5 while Pets Best scores 4/5. The best choice depends on your dog's breed, age, and your coverage priorities.
How much does Embrace cost vs Pets Best?
For a medium-sized young dog, Embrace costs $30–$55/month while Pets Best costs $24–$44/month. Pets Best is generally more affordable.
Which has better coverage, Embrace or Pets Best?
Both providers cover core accident and illness expenses. Embrace processes claims in 5 days on average, while Pets Best takes 5 days. Review the coverage table above for detailed feature-by-feature differences.
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