Compare Embrace to PetFirst Pet Insurance

When looking at purchasing a Petfirst Pet Insurance policy, you'll want to remember that your pet will have a per-incident deductible. This is important because you'll have to meet the deductible on each new condition for which your pet visits the vet. In addition, Petfirst Pet Insurance does not cover behavioral conditions or treatment for preventable conditions like heartworm, fleas, and internal parasites. Finally, while Petfirst Pet Insurance offers a wellness plan, it has itemized limits so you'll struggle to get the full value each year.

Plan Features Embrace Pet Insurance Logo PetFirst Pet Insurance
Flexible Routine Care Plan Yes Per-item Limits
One Annual Deductible Yes No
Behavioral Conditions Covered Yes No
Cruciate Injury & IVDD Waiting Period 6 Months
(Optional Waiver Process Available)
12 Months
Covers Preventable Conditions Yes No
Diminishing Deductible Feature Reduced $50 Every Claim Reimbursement-free Year Reduced $25 Every Claim Reimbursement-free Year
Highest Annual Limit $30,000 $10,000
Minimum Age of Enrollment Eligibility 6 Weeks 8 Weeks
Window to Submit Claims Full Policy Term + 60 Days 90 Days from Office Visit
Coverage for Anal GlandsYes No
Coverage for Working, Racing, & Guarding Activities Yes No
Money-back Guarantee 30 Days 14 Days
Highest Deductible Option $1,000 $500
Pets Covered Internationally Yes No
Mobile App Yes No
24/7 Pet Health Line Yes No

16 Reasons to Consider Embrace over PetFirst Pet Insurance

1. Petfirst Pet Insurance has Itemized Limitations for Wellness Plans

Any leftover funds in their set categories are lost if they’re not used. Plus, each of their three wellness plans are priced differently and cover different things, so it can be tricky to pick the right one.

Embrace promotes, rewards, and encourages healthy pets by offering Wellness Rewards, an optional non-insurance product that reimburses for everyday veterinary, grooming, and training costs with no itemized limits. And our wellness covers all the same things no matter which limit you select.

2. Embrace Offers One Annual Deductible No Matter the Number of Claims Made

Embrace uses an annual deductible, while Petfirst Pet Insurance uses a per-incident deductible. An annual deductible only needs to be met once per year, regardless of how many claims are made. Plans with a per-incident deductible require a new deductible be paid every visit to the vet for a new condition. If a pet has an unlucky year, the out-of-pocket costs could be higher by a few hundred dollars with a per-incident deductible.

3. Petfirst Pet Insurance Doesn’t Cover Behavioral Conditions

Petfirst Pet Insurance does not provide coverage for behavioral problems, therapy, or medication even if the issue was not present before the start of the policy. Embrace covers behavioral problems, consultations, therapy, and follow-up visits as long as it isn’t a pre-existing condition.

4. Embrace has a Shorter Waiting Period for Cruciate Injury and IVDD

Petfirst Pet Insurance has a 12-month waiting period for any cruciate injury (ACL, MCL, PCL, and CCL), and intervertebral disk disease (IVDD) that cannot be reduced. While Embrace has a 6-month waiting period for orthopedic conditions (for dogs only), there is an Orthopedic Exam and Waiver Process to have it reduced to as little as 14 days.

5. Petfirst Pet Insurance Doesn’t Cover Preventable Conditions

Petfirst Pet Insurance does not cover treatment for fleas, heartworm, lice, ticks, and other internal parasites whether a pet is on a preventative medicine or not. Embrace does not exclude coverage for preventable internal or external parasites.

6. Embrace Offers a Better Diminishing Deductible Feature

Embrace offers the industry’s best diminishing deductible feature. With Embrace’s Healthy Pet Deductible, your pet's annual deductible automatically goes down by $50 each year you don't receive a claim reimbursement. This is included with every policy at no extra charge. Petfirst Pet Insurance only offers a $25 deductible credit.

7. Embrace Offers Higher Annual Limits

Petfirst Pet Insurance’s highest annual maximum is $10,000. That does seem like a lot, but if you have a large breed dog that requires ongoing care, it can add up fast! Embrace offers $5,000, $8,000, $10,000, $15,000, and $30,000 to ensure that you have what you need for dogs and cats of all sizes and special needs.

8. Pets Can Get Covered Sooner with Embrace

Petfirst Pet Insurance does not insure pets under eight weeks old. Embrace allows you to begin coverage for pets at six weeks old so that you can get them covered sooner.

9. Embrace Allows More Time to Submit Claims

Petfirst Pet Insurance requires claims be submitted within 90 days of the office visit. Embrace gives you your entire policy term, plus 60 days after it renews to submit your claims.

10. Petfirst Pet Insurance Excludes All Coverage for Anal Gland Care or Treatment

Petfirst Pet Insurance does not cover anything to do with a pet’s anal glands, even if they are infected or need to be removed because of illness. With Embrace’s Wellness Rewards plan, routine anal gland expression is covered up to your annual allowance. And if your pet’s anal glands get infected and require medication or removal, Embrace’s accident and illness insurance policy has it covered.

11. Embrace Covers Working, Racing, and Guarding Activities

Petfirst Pet Insurance doesn’t cover injury or illness that a pet sustains while racing, serving with law enforcement, or guarding. As long as you let us know that your pet is involved in any of these activities at the start of your plan, or when your pet becomes involved in one of these activities, Embrace will cover them.

12. Embrace Offers a Longer Refund Period

Petfirst Pet Insurance only refunds the full premium if the policy is cancelled in the first 14 days. Embrace has a 30-day money-back guarantee as long as we haven’t paid any claims.

13. Embrace Offers More Deductible Options that Work with Your Budget

Petfirst Pet Insurance’s highest deductible options is $500. This limits the ability to personalize a policy to fit any budget. Embrace offers a $750 and a $1,000 deductible to allow you to personalize a policy that best suits your needs and budget.

14. Petfirst Pet Insurance Doesn’t Cover Pets Internationally

Petfirst Pet Insurance’s policy only covers pets in the United States. Embrace covers your pet wherever you travel, even when traveling internationally for up to six months.

15. Petfirst Pet Insurance Doesn’t have a Mobile App

Embrace has the Embrace Pet Insurance mobile app available for iOS and Android for on-the-go policy management, including claim submission, policy updates, adding pets, and more.

16. Petfirst Pet Insurance Doesn’t Offer 24/7 Pet Health Line

Petfirst Pet Insurance does not give their policyholders access to Pet Pros round-the-clock, so if you have questions about your pet’s behavior, diet, or a possible emergency, you’d have to wait for your vet’s regular business hours. Embrace has partnered with PawSupport to give our policyholders access to Pet Pros 24 hours a day, 7 days a week – even on holidays. And the best part is that this feature is included with every policy at no extra cost.

Mind if we pay your vet bills?