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Hartville vs. Embrace

Hartville vs. Embrace Pet Insurance:
The Ultimate Comparison Chart

If you're struggling to decide which pet insurance is best, we'll help you analyze top providers - instantly.

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High Level Details

Hartville Pet Insurance Logo
Embrace Pet Insurance Logo
Monthly Price
Varies by breed, age, location, etc >
Varies by breed, age, location, etc >
we use the data you entered to try and figure out how much we expect this insurance policy to cost each year
Varies by breed, age, location, etc >
Varies by breed, age, location, etc >
Coverage Score
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Analyze >
Pricing Score
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Average Days To Reimburse
9 Days
10 Days
Days To Submit Claim Before Expiration
270
60 days after next policy renewal date
Like a lot of insurance plans, coverage begins after a length of time known as a waiting period. The waiting period varies by the type of coverage.
Accidents: 14 Days
Illnesses: 14 Days
Accidents: 2 Days
Illnesses: 14 Days
Hip Dysplasia, Cruciate Ligament Conditions, and Patellas: 6 Months

Coverage Details

Image of Use Any Vet
Use Any Vet
Covered
Covered
Image of Illnesses
Illnesses
Illnesses that your pets might encounter
Covered
Covered
Image of Cancer
Cancer
Includes coverage for cancer-related treatments like chemotherapy and radiation treatment.
Covered
Covered
Image of Breed-Specific Conditions
Breed-Specific Conditions
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Knee Injury
Covered
Covered
Image of Accidents
Accidents
Intravenous (IV) Fluids and Medications
Covered
Covered
Medical Supplies (bandages, casts, and splints)
Covered
Covered
MRI Scans
Covered
Covered
CT Scans
Covered
Covered
X-Rays
Covered
Covered
Ultrasound
Covered
Covered
Blood Tests
Covered
Covered
Urinalysis
Covered
Covered
Surgery
Covered
Covered
Hospitalization
Covered
Covered
Image of Dental
Dental
Dental Coverage for Tooth Extractions
Covered
Covered
Dental Coverage for Illness-Related Cleaning
Covered
No
Covered
Covered
Covered
Covered
Covered
No
Covered
Image of Alternative Therapies
Alternative Therapies
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
No
Covered
No
Image of Behavioral Issues
Behavioral Issues
Covered
Covered
No
No
No
No
No
No
Image of Prescribed Foods + Medication
Prescribed Foods + Medication
Covered
Covered
Covered
No
No
No
Image of Exam Fees
Exam Fees
Exam Fees for a Covered Occurrence
Covered
Covered
Image of Poison
Poison
Poison Control Consultation Fees
Covered
Covered
Image of Supplements For Covered Conditions
Supplements For Covered Conditions
Supplements prescribed or dispensed by a veterinarian to treat a covered condition.
Covered
No
Image of Vet Labor
Vet Labor
Costs for the veterinarian's time consulting and overseeing your pet's treatment.
Covered
Covered
Image of Other
Other
No
Covered
No
Covered
Stem Cell Therapy
Covered
Covered
Covered
Covered
No
No
No
No
No
No
Covered
Covered
Covered
No
Breeding, Pregnancy, Whelping or Nursing
No
No
Complications from Breeding, Pregnancy, Whelping, or Nursing
No
No
Next Steps
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Which Pet Insurance Is Right For Me?

It depends on your pet’s breed, age, location, your financial standing, and the kind of coverage you need. To better understand how the chart above relates to your unique pet’s breed-specific risks, use Pawlicy Advisor to instantly analyze Hartville, Embrace, and other top providers. In 5 minutes or less you’ll understand which waiting times, coverage exclusions, and therapies are ideal for your pet’s breed and age.

For example, if you have a larger breed, having a policy with a long waiting period on knee injuries might not be ideal - but that same policy could be perfect for a small lap dog. Pawlicy Advisor will scan the fine print for you automatically to give you more transparency, and you’ll uncover any hidden savings.

Compare Hartville vs. Embrace Pet Insurance Prices

Pricing will also depend on your cat or dog’s breed, age, location - however, it’s important to not only look at what your pet insurance policy will cost today, but to understand what it will ultimately cost across the lifespan of your pet. Different policies will have different rates at which your premium may increase.

To put it simply, the policy that looks cheaper today might not be cheaper in the long run. This information is hard to find without Pawlicy Advisor.

Pawlicy Advisor's lifetime savings calculations

With Pawlicy Advisor, you get a personalized “Coverage Score” and “Lifetime Price Score” for hundreds of policy variations from top pet health insurance companies:

- Coverage Score: This score is calculated by comparing the kinds of coverage offered by this plan with other insurance offerings

- Lifetime Price Score: Insurance companies all charge a different amount to insure your dog or cat each year. We crunch the numbers to figure out how much we expect each plan to cost over your pet’s lifetime

Rest assured that all quotes you see from Pawlicy Advisor are pulled in real-time. We connect directly with our insurance partners to make sure your get the best price, with no hidden fees.

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