Embrace vs Pumpkin
More ways to shape a plan around your pet and your budget
 | Pumpkin |
|---|---|
Accident & illness, with an accident-only plan available. | Accident & illness only — no accident-only plan. |
Choice of 70%, 80% or 90% of covered vet costs. | 80% or 90% only. |
A range of deductibles and limits, from $5,000 up to unlimited. | More limited choices, which may not suit every budget. |
Included with every plan. Call or text with pet experts 365 days a year, any time of day or night, for free. | Only offered as an add-on. |
Looks at the previous 12 months of vet records. | Requires full medical history when filing a claim. |
Full policy term + 60 days. | 270 days from treatment. |
Military discount is offered on all Embrace plans. | Not offered. |
Travel with your pet is covered for up to 6 consecutive months per trip. | Not covered outside of the United States and Canada. |
| Plan features |  | Pumpkin |
|---|---|---|
| Type of insurance | Accident & illness, with an accident-only plan available. | Accident & illness only — no accident-only plan. |
| Reimbursement rate | Choice of 70%, 80% or 90% of covered vet costs. | 80% or 90% only. |
| Annual coverage limit & deductible | A range of deductibles and limits, from $5,000 up to unlimited. | More limited choices, which may not suit every budget. |
| 24/7 pet telehealth support | Included with every plan. Call or text with pet experts 365 days a year, any time of day or night, for free. | Only offered as an add-on. |
| Medical records | Looks at the previous 12 months of vet records. | Requires full medical history when filing a claim. |
| Window to submit claims | Full policy term + 60 days. | 270 days from treatment. |
| Military discount | Military discount is offered on all Embrace plans. | Not offered. |
| International coverage | Travel with your pet is covered for up to 6 consecutive months per trip. | Not covered outside of the United States and Canada. |
| Get your quote |
With Embrace, your pet is covered wherever you travel.
There are no geographical limits with Embrace because coverage isn’t limited to any one border. So, wherever you and your pet go, travel easy knowing you’re fully covered.
With Embrace, you choose how much of the bill comes back to you.
A lower reimbursement rate is a legitimate way to bring the premium down — so we offer one.
Let’s get your pet covered
30-day money-back guarantee*
10% multi-pet discount**
No obligation, see your price in just 2 minutes
Where Embrace wins over Pumpkin
A pet professional on hand around the clock – for free
Every Embrace policy includes 24/7 telehealth at no extra cost.
Pumpkin offers no equivalent, which means you’re on your own until morning.File claims on your schedule
When your dog or cat is sick, the last thing you need to worry about is running out of time to collect vet receipts. Embrace gives you the full policy term plus 60 days after renewal to submit claims, allowing you plenty of time to focus on the health of your pet.
Pumpkin limits submissions to 270 days after the office visit, requiring a faster turnaround and leaving less room when life gets busy.Coverage flexibility built around your finances
No two pets are alike, and neither are pet owner budgets. That’s why Embrace offers a genuine range of options to build your plan. By being able to pick your annual deductible, annual maximum, and reimbursement percentage, you’ll create the plan that fits your budget.
Pumpkin's choices are more limited, leaving less room to build a plan that works for both your budget and your pet's care.Military pet parents save with Embrace
Whether you're active duty, a veteran or an eligible family member of the U.S. Armed Forces, you save money on any Embrace pet insurance plan. Varies by state.
Pumpkin offers no military discount.
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
*Assuming no claims have been filed
** NY and WA residents receive 5% (not 10%)