Embrace vs. AKC
Fewer limits, fewer riders, fewer surprises
 | AKC |
|---|---|
Covered on every accident and illness plan at no extra cost. | Available only as a paid rider. |
None, claim up to your annual maximum. | Per-incident limits apply for the pet's lifetime. |
Not required. | Required to qualify for coverage. |
Included in all standard plans. Up to $1,000 annually covered for fractured teeth, extractions, periodontal disease, standard on every accident & illness policy, no dental exam required.¹ | Only extractions are covered. |
Diagnostics and treatment are covered in every standard policy. | Not covered, regardless of preventatives. |
Full policy term + 60 days. | 180 days from the office visit. |
| Plan features |  | AKC |
|---|---|---|
| Hereditary & congenital conditions | Covered on every accident and illness plan at no extra cost. | Available only as a paid rider. |
| Per-incident lifetime limits | None, claim up to your annual maximum. | Per-incident limits apply for the pet's lifetime. |
| Annual wellness visit required | Not required. | Required to qualify for coverage. |
| Dental illness coverage | Included in all standard plans. Up to $1,000 annually covered for fractured teeth, extractions, periodontal disease, standard on every accident & illness policy, no dental exam required.¹ | Only extractions are covered. |
| Internal & external parasites | Diagnostics and treatment are covered in every standard policy. | Not covered, regardless of preventatives. |
| Window to submit claims | Full policy term + 60 days. | 180 days from the office visit. |
| Get your quote |
With Embrace, more of what can go wrong with your pet’s teeth is covered.
Dental issues are bound to happen at some point in your pet’s life, but with Embrace you’re covered. From fractured teeth to extractions to periodontal disease – all are covered up to $1000 annually in every standard plan.
With Embrace, a diagnosis in year one doesn't use up a lifetime of coverage.
Claim up to your annual maximum, every year, with no per-condition ceiling hanging over you.
Let’s get your pet covered
30-day money-back guarantee*
10% multi-pet discount**
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Where Embrace wins over AKC
One simple, all-in-one policy
AKC offers several policy options to pick between, and with that many permutations it's hard to work out which is right — coverage often gets sacrificed for a lower price.
Embrace offers one all-in-one policy covering a wide range of unexpected accidents, illnesses and treatments.More coverage options for pets with chronic conditions
AKC restricts pets with diabetes, Cushing's disease or FeLV/FIV to accident-only coverage.
Embrace doesn't exclude these pets from a full accident and illness policy, though pre-existing condition exclusions still apply.No lifetime limits on repetitive behavior
AKC covers only one instance in a pet's lifetime of an accident or illness caused by repetitive behavior — foreign body ingestion, dog fights, toxin ingestion.
Embrace covers one surgical foreign body removal per policy year, toxin ingestions or other repeat incidents.Behavioral conditions and mobility aids included as standard
AKC requires a rider for behavioral conditions and doesn't cover prosthetic devices or mobility aids at any price.
includes eligible behavioral coverage in every accident and illness policy and covers prosthetics and mobility aids for every covered condition, at no additional cost.
Disclosures
Comparison information is provided using publicly available information as of Septmber 30th, 2026 and is only meant to summarize program features, not a specific plan. Review each provider's plan terms for more details. The descriptions of other providers' plans were not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. Although we attempt to keep information up to date, it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing compliance@embracepetinsurance.com
¹ Dental illness can be applied for up to $1,000 per policy term/year for covered conditions.
*Assuming no claims have been filed
** NY and WA residents receive 5% (not 10%)