Fetch vs Embrace for French Bulldogs

Fetch and Embrace are both mid-range providers that offer solid coverage without the sticker shock of Trupanion or the bare-bones approach of budget options. Both cover hereditary conditions, offer unlimited coverage tiers, and include wellness options. For French Bulldog owners in the middle of the market, the choice comes down to Fetch's broader coverage inclusions and experience versus Embrace's diminishing deductible and superior wellness tiers.

Quick Verdict

Embrace edges ahead for French Bulldogs thanks to its diminishing deductible feature, superior wellness plan options, and stronger customer service ratings. Fetch is a solid alternative with broader base coverage inclusions and 20+ years of industry experience.

Winner: Embrace

Side-by-Side Comparison

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Feature	Fetch	Embrace
Overall Rating	4.6	4.8
Starting Price	$30/mo	$30/mo
Annual Maximum	Up to Unlimited	Up to Unlimited
Deductible Type	Annual	Annual (diminishing)
Reimbursement	70-90%	70-90%
Claims Speed	As little as 2 days	5-10 days
Wellness Available
Direct Vet Pay
Waiting Period	Up to 15 days for accidents and illnesses	14 days illness, 2 days accident, 6 months orthopedic

Rating Breakdown

Overall

4.6

4.8

Coverage

4.8

4.9

Pricing

4.5

4.7

Claims

4.5

4.7

Service

4.6

4.9

Frenchie Fit

4.7

4.8

Fetch Embrace

Pros & Cons

Fetch

Pros

Proven Track Record: Decades of experience in pet insurance provides confidence in their financial stability and commitment to honoring claims.
Comprehensive Coverage: Broader coverage than many competitors, including conditions that others might exclude or limit.
Unlimited Annual Coverage: Option for unlimited yearly coverage eliminates concerns about hitting caps during expensive treatment periods.
Breed Experience: Extensive data on French Bulldog health patterns means better understanding of coverage needs and fewer surprises in claim decisions.

Cons

Higher Premiums for French Bulldogs: Breed-specific risk pricing makes Fetch notably more expensive than budget options for Frenchies.
Waiting Periods: Up to 15 days for accidents and illnesses may delay coverage for emerging health issues.
Reimbursement Model: No direct vet pay option means you pay upfront and wait for reimbursement, though direct deposit can arrive in as little as 2 days.

Embrace

Pros

Comprehensive Wellness Options: Three levels of wellness coverage help manage routine French Bulldog care costs including regular allergy medications, special diets, and preventive treatments.
Unlimited Coverage Available: Option for unlimited annual coverage eliminates concerns about hitting caps during expensive treatment years.
Diminishing Deductible: Unique feature that rewards claim-free years by reducing your deductible, potentially saving hundreds over time.
Personalized Customer Service: Work with knowledgeable representatives who understand French Bulldog health issues rather than automated systems.

Cons

Longer Orthopedic Waiting Period: 6-month waiting period for hip dysplasia is longer than some competitors, potentially problematic for older adoptions.
Wellness Plan Limitations: Annual limits on wellness plans may not cover all routine costs for French Bulldogs with extensive preventive care needs.
Claims Processing Speed: 5-10 day processing is slower than tech-forward competitors offering instant approvals.

Pricing Comparison

Fetch Plans

70% Reimbursement

$30/mo

Annual Coverage: $10,000
Annual Deductible: $500
Reimbursement: 70%

80% ReimbursementRecommended

$50/mo

Annual Coverage: $20,000
Annual Deductible: $300
Reimbursement: 80%

90% Reimbursement

$70/mo

Annual Coverage: Unlimited
Annual Deductible: $200
Reimbursement: 90%

Embrace Plans

70% Reimbursement

$30/mo

Annual Coverage: $8,000
Deductible: $500
Reimbursement: 70%

80% ReimbursementRecommended

$48/mo

Annual Coverage: $15,000
Deductible: $300
Reimbursement: 80%

90% Reimbursement

$70/mo

Annual Coverage: Unlimited
Deductible: $200
Reimbursement: 90%

Category Breakdown

Coverage Breadth

Fetch

Fetch includes dental illness coverage, behavioral therapy, and telehealth in base plans. Embrace covers these partially or through add-ons only.

Wellness Plans

Embrace

Embrace offers three comprehensive wellness tiers covering routine care, dental, vaccinations, and prescription food. Fetch's wellness options are more limited.

Deductible Structure

Embrace

Embrace's diminishing deductible rewards claim-free years with a $50 annual reduction. Fetch uses a standard annual deductible with no reward mechanism.

Claims Speed

Tie

Fetch processes claims in as little as 2 days; Embrace takes 5-10 days. Fetch is faster on average, but both are middle-of-pack by industry standards.

Industry Experience

Fetch

Fetch (formerly Petplan) has 20+ years of pet insurance experience. Embrace has been in the market since 2003 — both are established, but Fetch has a longer track record.

Customer Service

Embrace

Embrace earns consistently higher customer service ratings with personalized support and dedicated representatives. Fetch reviews are generally positive but less consistently praised.

Our Recommendation

Choose Fetch if...

Broader base coverage (dental, behavioral, telehealth) without add-ons is important
You value an insurer with 20+ years of industry experience
Faster claims processing is a priority
You prefer a straightforward plan without deductible gimmicks

Read Fetch Review

Choose Embrace if...

Comprehensive wellness coverage for routine Frenchie care is a must
You like the idea of a deductible that decreases over time
Customer service quality is a top priority
Your Frenchie is young and healthy (maximize diminishing deductible savings)

Read Embrace Review

Frequently Asked Questions

Embrace offers significantly better wellness coverage with three tiers that cover vaccinations, dental cleanings, prescription food, and behavioral therapy. Fetch's wellness options are more basic. For a breed with high routine care costs like French Bulldogs, Embrace's wellness plans provide more value.

Each claim-free year reduces your deductible by $50. While French Bulldogs are unlikely to go many years without claims, even a few healthy years can save $100-$200 on your deductible. It is a nice-to-have rather than a game-changer for this breed.

Yes, both cover hereditary and breed-specific conditions including BOAS, hip dysplasia, IVDD, and allergies. Embrace has a 6-month orthopedic waiting period. Fetch's waiting periods are up to 15 days for accidents and illnesses. Enroll early to minimize exclusions.

Both start around $30/month for basic coverage. Mid-tier plans run $48-$50/month. Top-tier unlimited plans are $70/month for both. The pricing is nearly identical, so the decision should be based on features (wellness quality, deductible structure, coverage breadth) rather than cost.

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