Disclosure: We may earn a commission if you get a quote or buy a policy through links on this page, at no extra cost to you. Payments never change the prices we report. Every quote below is shown exactly as the insurer gave it.
Updated October 29, 2026
The short answer
Fetch was cheaper for all nine sample pets we quoted, often by a wide margin. A 1-year-old French bulldog cost $37.09 a month with Fetch and $75.04 with Embrace.
Embrace gives you more control over the plan. You can choose an unlimited annual limit or a $100 deductible online, and higher limits cost less extra than they do with Fetch. Fetch’s quote also included exam fees, which Embrace sells as an add-on.
Our take: if you want the lowest monthly price for a standard plan, start with Fetch. If you want unlimited coverage or a low deductible, get an Embrace quote too.
Real quotes, side by side
We ran live quotes on both sites on October 29, 2026, for ZIP code 83651 (Nampa, Idaho), using the closest settings each insurer allowed.
| Sample pet | Embrace | Fetch | Fetch saves |
|---|---|---|---|
| Small mixed-breed dog, 1 year | $25.98 | $22.16 | 15% |
| Labrador retriever, 1 year | $48.76 | $26.66 | 45% |
| Labrador retriever, 7 years | $82.89 | $47.10 | 43% |
| Golden retriever, 1 year | $48.76 | $27.54 | 44% |
| Golden retriever, 7 years | $82.89 | $64.55 | 22% |
| French bulldog, 1 year | $75.04 | $37.09 | 51% |
| French bulldog, 5 years | $98.31 | $66.97 | 32% |
| Cat, 1 year | $22.48 | $22.16 | 1% |
| Cat, 8 years | $41.05 | $31.64 | 23% |
What stands out:
- The gap is biggest for young dogs. Fetch was 44% to 51% cheaper for 1-year-old Labs, goldens and Frenchies.
- For cats, it’s close. A 1-year-old cat cost almost the same with both insurers.
- The insurers price breeds differently. Embrace quoted a Lab and a golden at exactly the same price. Fetch charged 37% more for a 7-year-old golden than for a 7-year-old Lab.
How plan settings change the price
The two insurers react very differently when you change the limit or deductible. These figures come from quotes for a 7-year-old golden retriever.
| Change | Embrace | Fetch |
|---|---|---|
| Raise the limit from $5,000 to $10,000 | +13% | +23% |
| Raise the limit from $5,000 to $15,000 | +22% | +39% |
| Unlimited annual limit | +40%, available online | Not offered online |
| Raise the deductible to about $750 | −32% ($250 to $750) | −25% ($300 to $700) |
| Lowest deductible offered | $100 | $300 |
So the cheaper insurer can change with the plan you want. Fetch’s lead shrinks as you raise the limit, and Embrace is the only one of the two that sells unlimited coverage online. Try different settings in our premium calculator, which uses Embrace’s pricing.
Coverage compared
| Feature | Embrace | Fetch |
|---|---|---|
| Annual limit | $2,000 to unlimited | $5,000, $10,000 or $15,000 online; more by phone |
| Deductible | $100 to $1,000 | $250 to $2,500 (some only by phone) |
| Reimbursement | 70%, 80% or 90% | 70%, 80% or 90% |
| Exam fees | Optional add-on | Included |
| Illness waiting period | Often 14 days | 15 days |
| Hip and knee waiting period | Often 180 days; a vet exam may shorten it | 180 days; may be waived for knees with an early vet exam |
| Routine care | Wellness Rewards add-on (not in Rhode Island) | Wellness add-on, where available |
| Dental illness | Covered up to $1,000 a year | Covered |
| Behavioral treatment | Covered | Covered up to $1,000 a year |
| Older pets | Pets 15 and older can only get accident coverage | No upper age limit |
| Discounts | Multiple pets (10%), military (5%) | Adopted pets, military and veterans, AARP members |
| Claim processing | 10 to 15 business days | About 10 days |
How the claim math works
Embrace subtracts your deductible first, then pays its percentage of what’s left. On a $2,000 bill with a $500 deductible and 80% reimbursement, Embrace pays $1,200 and you pay $800.
Some insurers apply the percentage first, which would leave you paying $900 on the same bill. Published reviews disagree about which order Fetch uses, so check the claim example in Fetch’s sample policy before comparing.
Which one should you choose?
- Choose Fetch if you want the lowest monthly price for a standard $5,000 to $15,000 plan, want exam fees included, or are insuring a pet 15 or older.
- Choose Embrace if you want unlimited coverage, a deductible below $300, or a large breed with high cancer risk where a big limit matters.
- Either way, get quotes from both with the same limit, deductible and reimbursement rate. Prices depend on your pet and ZIP code, so yours will differ from ours.
Related guides: dog insurance cost, cat insurance cost, is pet insurance worth it? and the premium calculator.
Sources
- Our own quotes from Embrace and Fetch, October 29, 2026, ZIP 83651.
- NerdWallet: Embrace Pet Insurance Review
- NerdWallet: Fetch Pet Insurance Review
- Pawlicy Advisor: Fetch Pet Insurance Review