Which pet insurance is better, Fetch or Embrace?

Which pet insurance is better Fetch or Embrace, both are US pet insurance providers, with Embrace rated slightly better overall with 4.6 stars versus Fetch 4.5 stars, with Embrace offering $5K to $30K annual limit, 70% to 90% reimbursement $30 to $80 per month, with diminishing deductible and wellness rewards, while Fetch offers $5K to $15K annual limit, 70% to 90% reimbursement $30 to $70 per month, with comprehensive cover including exam fees. In US, Embrace Pet Insurance rated better for comprehensive with 4.6 stars from 2,000 reviews, costing $30 to $80 per month for dog $5K to $30K annual limit, 70% to 90% reimbursement, $100 to $1,000 excess, with diminishing deductible $50 reduction each year no claim, wellness rewards $250 to $650 per year for routine care $100 vaccinations, $200 flea and worming, and covering accidents, illnesses, surgery $2K to $10K, cancer $5K to $10K, with 14 days illness waiting and 2 days accident. Fetch Pet Insurance rated 4.5 stars, $30 to $70 per month for $5K to $15K annual limit, 70% to 90% reimbursement, $250 to $500 excess, with comprehensive covering exam fees $100 to $200 included, which Embrace charges extra, and covering accidents, illnesses, surgery and cancer. So Embrace better for higher annual limit $30K versus $15K Fetch, diminishing deductible and wellness rewards, while Fetch better for exam fees included and slightly cheaper $30 to $70 versus $30 to $80 Embrace, with Embrace slightly better overall 4.6 stars versus 4.5 Fetch for comprehensive $30K limit and rewards, but both good with 80% to 90% reimbursement for $5K to $10K bills.