Trupanion vs Embrace Pet Insurance

Trupanion has 24/7 live support. Embrace has business hours

Have questions? Trupanion offers live support 24 hours a day, 7 days a week, every day of the year (even holidays!). Embrace’s live customer service hours are much more strict: 8:30am – 8pm on weekdays and Saturday 9am – 1pm, all EST.

For perspective, Trupanion is open to assist members 100% of the week whereas Embrace is available less than 37% of the week.

Trupanion can pay vets directly at checkout. Embrace cannot

Trupanion is the only provider that can pay veterinarians directly at time of checkout from your pet’s appointment. Eligible veterinary costs are often paid in just seconds. In many cases, this option requires no paperwork or phone calls from the pet owner. You can see any veterinarian you like with Trupanion, though not all are set up for direct pay. Even so, most claims are processed within 24 hours of filing.

Curious about not having to wait for reimbursement? It’s easy to find out if your veterinarian of choice accepts Trupanion’s VetDirect Pay™.

While many pet health insurance companies do not offer any direct pay option, Embrace can pay automatically for eligible wellness plans (for members who have wellness coverage). They cannot pay directly for accident or illness claims, meaning members have to wait for reimbursement.