Embrace vs. Prudent Pet Insurance: In-Depth Comparison [2022]


What’s The Difference Between Embrace & Prudent Pet Insurance Plans?

Thank you for visiting our guide to comparing Embrace and Prudent Pet. Below you’ll find a comparison of plan rates, multi-pet discounts, wellness plans, amounts, and more.

Remember that the easiest way to shop for pet insurance is using a tool such as this to compare pet insurance plans from all the major pet insurance companies at once. With this tool, you can compare rates from Embrace and Prudent Pet side by side, as well as other major pet insurers.

Embrace & Prudent Pet: A Complete Breakdown of Dog Insurance Plan Benefits

The comparison below will show you the pet insurance plan features of Embrace and Prudent Pet, as well as many of the other top pet insurance brands.

Company

Annual Coverage

Annual Coverage

$5,000 or Unlimited

Up To $100,000

Unlimited

Unlimited

$5,000 or Unlimited

Unlimited

$10,000 or Unlimited

$5,000 – $30,000

Unlimited

Multi-pet Discount?

Multi-pet Discount?

Yes

Yes

No

No

Yes

No

Yes

Yes

No

What They Do Best

What They Do Best

Best for plan customization

Great pricing for puppies & kittens

$0 copay option. No fees for paying monthly.

Best for paying claims to veterinarian direct

Short waiting periods

Best for paying claims fast

Best Trustpilot reviews

Best plan for superior benefits

Fast claims. Wellness plan available.

iHeartDogs Customer Rating ⭐⭐⭐⭐⭐

iHeartDogs Customer Rating ⭐⭐⭐⭐⭐

4.3 / 5

4.6 / 5

4.7 / 5

4.5 / 5

4.1 / 5

4.4 / 5

4.5 / 5

4.5 / 5

4.1 / 5

Wellness Plan Option? (preventative care eg exams, dental, vaccines)

Wellness Plan Option? (preventative care eg exams, dental, vaccines)

Yes

No

Yes

No

No

No

No

Yes

Yes

Example Quote for 1 Year Old 30 lb Mixed Breed

Example Quote for 1 Year Old 30 lb Mixed Breed

$35.81 per month

$20.00 per month

$30.00 per month

$68.25 per month

$69.30 per month

$26.25 per month

$73.46 per month

$42.35 per month

$15.00

Reimbursement Amount

Reimbursement Amount

90%, 80%, or 70%

90%, 80%, or 70%

90%, 80%, or 70%

90%

100%, 90%, 80%, or 70%

90%, 80%, 70%, 60%, or 50%

90%, 80%, or 70%

90%, 80%, or 70%

100% or 90%

Annual Deductible

Annual Deductible

$50, $100, $200, $250, $500, or $1,000

$100, $250, or $500

$100, $250, or $500

$0 to $1,000

$100, $250, $500, or $750

$100, $250, $500, $750, or $1,000

$100, $250, $500, or $1,000

$200, $300, $500, $750, or $1,000

$250, $500, or $1,000

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Free Side by Side Quote Comparison Between Embrace and Prudent Pet

To receive your no-obligation quote comparison between Embrace and Prudent Pet, fill out the form below.

Common Questions About Embrace Vs. Prudent Pet

Coverage Amounts: Embrace vs. Prudent Pet

Embrace’s annual coverage ranges from $5,000 to $30,000 depending on your plan, while Prudent Pet plans can either max out at $10,000 or offer unlimited coverage. Unlimited coverage will certainly help with pricey surgeries and life-saving interventions, but you may not have vet costs that are high for a younger, healthier dog.

Multi-Pet Discounts: Embrace vs. Prudent Pet

Both Embrace and Prudent Pet offer a discount for multiple pets, making either plan a good choice for multi-pet parents looking to save.

What are the Reimbursement Amounts for Embrace vs. Prudent Pet?

Reimbursement options for both Embrace and Prudent pet insurance are 90%, 80%, or 70%. The higher your reimbursement, the higher your premium will be.

What is the Annual Deductible for Embrace vs. Prudent Pet?

For Prudent Pet, you have four potential deductibles: $100, $250, $500, or $1,000. Embrace’s deductible options are $200, $300, $500, $750, or $1,000. The higher the deductible, the lower your premium will be.

Does Embrace or Prudent Pet Offer a Wellness Plan for Preventative Care?

Prudent Pet doesn’t offer a wellness option, but Embrace does. This means you’d be investing in preventative care like annual exams and teeth cleanings, but insurance wouldn’t cover accidents or emergencies.

Who is Cheaper: Embrace or Prudent Pet?

In most cases, we found Embrace to offer a more affordable price. In our example quote, Embrace beat out Prudent Pet for a 1-year-old 30 lb mixed breed dog based on Texas zip code 75001. However, keep in mind that your location, dog’s age, breed, gender, and other factors significantly affect your pricing. The best way to know whether Embrace or Prudent Pet is cheaper is to run a comparison quote here.

The Bottom Line: Who is Better, Embrace or Prudent Pet?

These two insurance companies offer similar coverage and benefits. Overall though, we give an edge to Embrace for more deductible options, more affordable pricing, and a reasonable amount of annual coverage. Both companies are very reputable and popular with iHeartDogs readers, with Embrace and Prudent Pet each receiving 4.5 out of 5 stars.

Run a No Obligation Comparison Quote Between Embrace and Prudent Pet

[12] Embrace Pet Insurance Customer Reviews (2022)

iHeartDogs surveyed our readers in 2022 about their experience with Embrace and other major pet health insurance plans.

Overall Embrace received a 4.4 out of 5 rating:

⭐⭐⭐⭐⭐ – Responsive, good customer service and as a bonus now affiliated with USAA which is great for those of us who are members of USAA. – Embrace Pet Insurance review by Chris, Midlothian

⭐⭐⭐⭐ – Pays quickly; app makes filing claims easy. Don’t like that have to jump thru hoops to read the policy document. – Embrace Pet Insurance review by Laura, Unknown

⭐⭐⭐⭐ – My dog ​​got attacked by a pit bull causing $1110 in injuries.
The insurance paid within several days with no hassles or other delays. – Embrace Pet Insurance review by David, Ashburn

⭐⭐⭐⭐⭐ – I love how responsive they are and how quickly they pay a claim. I’ve had my dogs with them since 2006, their first year in business, and have never had a complaint. They cover genetic illnesses, and alternative medicine treatments in their regular accident and illness plan. Their premium rates doubled this year, but after reviewing other companies, they’re right in line with normal costs. – Embrace Pet Insurance review by Donna, Salisbury

[5] Prudent Pet Insurance Customer Reviews (2022)

iHeartDogs created surveyed our readers in 2022 about their experience with Prudent Pet and other major pet insurance providers.

Overall Prudent Pet Insurance received a 4.5 out of 5 rating:

⭐⭐⭐⭐⭐ – This was my first time purchasing pet insurance and Pati was a big help! She explained everything in an easy to understand way and was there to answer all my questions. Would highly recommend! – Kyla

⭐⭐⭐⭐⭐ – Great Customer Service- While searching for pet insurance, I looked into and called multiple services. Stephanie Toppel was really great at answering all of my questions by responding right away and giving me a straight and honest answer. Pet insurance has a lot of ins and outs to it and I now feel very comfortable that I choose the best company for me. – Kari

⭐⭐⭐⭐⭐ – We just signed up with Prudent Pet and are already extremely impressed with them. I got quotes from 6 different pet insurance companies and I love the fact that Prudent is one of the very few that offer preventative care as well. We have a big family so every penny counts- including annual exams, shots, etc because it all adds up! I got a quote on Sunday afternoon from their website and first thing Monday morning a customer service representative called me to follow up on my quote. None of the other companies did that at all whatsoever. She also spent 45 minutes on the phone with me explaining every detail of the coverage with me and letting me know my options. She answered every question I could think of and was so patient and friendly about it despite me taking up so much of her time with my endless inquiries. She made me feel right at ease. I’m really excited for my dog’s new coverage we can’t wait to see how it all works out. I feel relieved that now I don’t have to worry about some expensive bill coming up that we can’t afford. This makes it much easier on our family and gives us a peace of mind that we can give our dog quality care at any time. – Alexandra

⭐⭐⭐⭐ – We just purchased our policy so I can’t review on the coverage or claims process, but customer service was exceptional. Patricia Ostaszewski was great and assisted us with all of our questions and concerns and set up the policy for us. I do wish the policy listed more details regarding coverage. – Ariel

⭐⭐⭐⭐ – I just bought this plan. So far no problems. The only thing was after I applied the info said I would get an email for me to set up my password, I didn’t get one so I called and they told me what to do. Everything ok now. – Patricia

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