Updated September 28, 2026 · AssureCue Editorial Team
10Life vs Embrace Pet Insurance
10Life
Embrace Pet Insurance
Higher score in this comparison
Where 10Life and Embrace Pet Insurance differ
| Compare | 10LifeReviewSee alternativesSee alternatives | Embrace Pet InsuranceReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Travel, Home, Health, Critical illness, Life | Pet |
| Provider type | Comparison site | Insurer |
| Claims channels | Independent claims team, Phone, Email, Whatsapp | Website, Mobile app |
| Premium from | Not confirmed | $10 |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | $100 to $1,000 |
| Cover limit | Not confirmed | $5,000 annual policy limit in the stated price examples |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Embrace Pet Insurance scores higher overall: 8.9 vs 8.7.
- Founded is lower at Embrace Pet Insurance: 2003 vs 2017.
- Insurance types: only 10Life offers Travel, Home, Health.
- Insurance types: only Embrace Pet Insurance offers Pet.
- Claims channels: only 10Life offers Independent claims team, Phone, Email.
- Claims channels: only Embrace Pet Insurance offers Website, Mobile app.
- Support channels: only 10Life offers Email, Chat.
Our verdict on each
10Life
10Life is a comparison site, not an insurer, so it suits expats in Hong Kong who want to see travel, health, critical illness, life and home quotes side by side. It has traded since 2017 under an Insurance Authority licence, and claims go through an independent team.
Embrace Pet Insurance
Embrace Pet Insurance suits US pet owners who want an insurer-run policy, with monthly payments at $10. Claims run through website and mobile app, and cover is issued by a licensed agency with named underwriters in the US, with an excess of $100 to $1,000.
Score breakdown
| Area | 10Life | Embrace Pet Insurance |
|---|---|---|
| Cost | Not confirmed | 8.9Premium from $10 a month sits just under the pet median of €8.88, so cost is mid-pack rather than keen. |
| Offer | 9.6Higher | 8.4 |
| Trust | 8.2 | 9.2Higher |
Every fact side by side
| Fact | 10Life | Embrace Pet Insurance |
|---|---|---|
| Audience | Expats | Not confirmed |
| Pricing model | Not confirmed | Monthly |
| Legal entity | 10Life Financial Limited | Embrace Pet Insurance Agency, LLC |
| Headquarters | Hong Kong | United States |
| Founded | 2017 | 2003Lower |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Help centre |
Where each stands against the rest
| Fact | 10Life | Embrace Pet Insurance | Median |
|---|---|---|---|
| Premium from | Not confirmed | $10below the median | $16.09 |
| Excess from | Not confirmed | $100 to $1,000at the median | $100 |
Median across 61 listed insurance providers.
Pros and cons
10Life
Pros
- One place to see quotes across travel, home and health, which runs from travel and home to health, critical illness and life.
- Claims are handled by an independent claims team, reachable on independent claims team, phone and email.
- Help runs on email, chat and phone, so a question can go by phone, chat, email or the help centre.
Cons
- As a comparison site rather than an insurer, the policy sits with the provider whose quote you take, which adds a step between you and the cover.
- Cover stops at the lines in travel, home and health, which leaves out auto, pet, motorcycle and landlord policies.
- Claims contact is narrower than general support, since independent claims team, phone and email does not include everything on email, chat and phone.
Embrace Pet Insurance
Pros
- Monthly payments are available, so premiums from $10 can be spread across the year.
- Support runs on phone and help centre, giving a phone line and a help centre.
- Claims can be filed through website and mobile app, so a claim starts and tracks on the mobile app.
Cons
- Cover limits sit at $5,000 annual policy limit in the stated price examples in the stated price examples, which caps the payout on costly treatment.
- Support runs on phone and help centre only, so no chat or community channel is listed.
- The listed insurance types are pet, so a pet policy cannot be bundled with other cover.
Who each suits
10Life
Who it suits
- People who have just moved to Hong Kong, since the stated audience is expats.
- Households shopping across more than one line, with travel, home, health, critical illness and life all listed under travel, home and health.
- Buyers who prefer to see providers side by side before deciding, which is what a comparison site is set up to do.
Who should look elsewhere
- Motor, landlord and home emergency cover seekers: Hiscox UK writes home, renters and landlord, none of which appear in travel, home and health.
- Pet and motorcycle cover seekers: Good Sam Insurance Agency lists auto, home and renters, a wider range than travel, home and health.
- Gadget and car cover seekers: EuroAsia Insurance sells auto, home and travel, while auto and gadget sit outside travel, home and health.
Embrace Pet Insurance
Who it suits
- US pet owners who prefer paying monthly from an insurer rather than through a broker.
- Owners comfortable picking an excess of $100 to $1,000 to set the balance between premium and claim cost.
- Pet owners who want named underwriters, including American Southern Home Insurance Company (2222-8).
Who should look elsewhere
- Readers wanting more than pet cover should look at Good Sam Insurance Agency, which lists auto, home and renters lines in one place.
- Readers after a no-cost starting quote in another currency can use bonus.ch at CHF 0 or ComparaJa at €0 instead of a US pet policy.
Current offers
10Life
Current offer
Discount code
Annual travel insurance discount promoted on homepage: 45% off
Homepage hero banner link slug homebanner_annual_travel_45off links to /products/travel
Source, checked September 26, 2026
Discount code
Single-trip travel insurance discount promoted on homepage: 50% off
Homepage hero banner link slug homebanner_single_travel_50off links to /products/travel
Source, checked September 26, 2026
Country by country
| Country | 10Life | Embrace Pet Insurance |
|---|---|---|
| Hong Kong | Yes | No |
| United States | No | Yes |
Questions about each
10Life
Is 10Life an insurer or a broker?+
It is a comparison site, and the legal entity behind it is 10Life Financial Limited. The policies come from partner providers rather than from 10Life itself, so the contract you sign is with whichever provider's quote you accept.
Who is 10Life built for?+
The stated audience is expats, people who have moved to Hong Kong and need cover arranged in their new market. Being based in Hong Kong keeps the quotes, the wording and the support in the same place the customer lives.
Embrace Pet Insurance
What does an Embrace Pet Insurance premium cost?+
Monthly premiums start at $10 a month and monthly payments are available on the policy. The stated price examples are built on $5,000 annual policy limit in the stated price examples, so the figure moves with the cover you choose.
Can I change how much a claim costs me?+
The excess runs from $100 to $1,000, so you can set the part kept back at claim time. Moving it shifts the balance between the monthly premium and the amount you hold per claim.
Other options to compare
Related by the facts
10Life
Embrace Pet Insurance