Fetch vs Embrace Pet Insurance (2026)
Quick Verdict
| Category | Fetch | Embrace |
|---|---|---|
| Overall Score | 8.2/10 | 8.6/10 |
| Monthly Cost (avg dog) | ~$35–$75/month | ~$40–$80/month |
| Reimbursement Model | Annual deductible; 70–90%; comprehensive coverage | Annual deductible; dental illness; diminishing deductible |
| Best For | Broadest coverage scope including behavioral and dental exam | Dental illness, diminishing deductible, wellness |
Brand Overview
Fetch: Fetch (formerly Petplan, founded 2003) is backed by The Dodo media brand and offers one of the broadest coverage scopes including behavioral treatments, dental disease, exam fees, and alternative therapies.
Embrace: Embrace is Ohio-based with dental illness coverage, Diminishing Deductible ($50/year claim-free), and optional Wellness Rewards.
Coverage Comparison
| Coverage Item | Fetch | Embrace |
|---|---|---|
| Accidents | Yes | Yes |
| Illnesses | Yes | Yes |
| Dental Illness | Yes | Yes |
| Behavioral Therapy | Yes | No |
| Alternative Therapy | Yes | No |
| Exam Fees | Yes | Optional |
| Wellness Add-on | No | Yes |
| Diminishing Deductible | No | Yes ($50/year) |
Pricing Snapshot
| Pet Profile | Fetch | Embrace |
|---|---|---|
| Dog, 2 years | ~$35–$55/month | ~$40–$55/month |
| Cat, 2 years | ~$18–$30/month | ~$20–$35/month |
Pros and Cons
Fetch
Pros
- Broadest coverage: dental illness, behavioral, alternative therapy, exam fees
- Backed by The Dodo (strong brand partnership)
- No per-incident caps in some plans
- Covers exam fees automatically
Cons
- No wellness add-on
- Can be more expensive than Embrace in some states
- Newer rebrand—some claim history uncertainty
Embrace
Pros
- Dental illness included
- Diminishing Deductible reward
- Wellness Rewards rider
- Strong customer service
Cons
- No behavioral therapy coverage
- No alternative therapy
- Exam fees require add-on
Best For
Choose Fetch if: You want the broadest possible coverage including behavioral therapy, alternative therapy, and exam fees.
Choose Embrace if: You want dental illness, a diminishing deductible reward, and Wellness Rewards add-on.
Alternatives
- [Fetch vs Trupanion](/compare/fetch-vs-trupanion)
- [Embrace vs Trupanion](/compare/embrace-vs-trupanion)
- [Full Fetch Review](/reviews/fetch-pet-insurance)
FAQ
What happened to Petplan?
Petplan rebranded as Fetch in 2022. The underlying policy structure is similar. If you had Petplan, your policy transferred to Fetch.
Does Fetch cover acupuncture?
Yes. Fetch covers alternative therapies including acupuncture, chiropractic, hydrotherapy, and physical therapy.
Does Embrace cover behavioral problems?
Embrace does not cover behavioral therapy or separation anxiety treatments. Fetch does.
Which is better for a dog with anxiety?
Fetch covers behavioral therapy including treatment for anxiety and compulsive disorders. Embrace does not.
Is Fetch more expensive than Embrace?
Comparable in most markets—Fetch may be $5–$10 more per month in some states due to broader coverage.
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