Report Trupanion or Embrace? in Health and Genetics Posted February 11, 2013 Hey all, I know there are a lot of topics on the Boards about pet insurance and after reading through most, I still have a few questions. Right now I am only going to insure my 4 year old Blue Heeler. I eventually will add my BC but at this time I can only afford it for one, and since he is oldest I will get him going first. I am almost certain he will need some sort of care for his hips later in life. We picked him up from a shelter and you can tell he was a product of poor breeding... He has not been diagnosed with anything to do with hips so I am sure he will be covered under both plans. Is either Trupanion or Embrace better with their coverage for stuff like that? Also, when I did quote my BC (going to be 3 in March, intact) I notice his was less expensive, but on the Trupanion site it says they have some limitations for coverage on animals who have not been neutered by their first birthday. Does anyone have experience where Trupanion or Embrace wouldn't cover something because the dog is intact? I also read in one of the previous posts one of the companies wouldn't cover sport dog injuries... Does this include injuries to herding dogs? I also wonder about Embrace's option for the Wellness Plus addition and Trupanion's lack of. It includes costs of getting x-rays, prescriptions, OFA & PennHIP exams, annual exams, and a few other things. Is this something I should add or is it to "gimmicky" and not worth the extra $30 a month. Finally, now that you have read a novel! , yearly limitations... Embrace has yearly limits while Trupanion does not. Has anyone run into any medical expenses, like hip dysplasia surgery etc., that pushed them over the annual limit with Embrace? Thanks for all the input in advance!