Compare Embrace vs. Petplan Pet Insurance

What’s the difference between Embrace Pet Insurance and Petplan Pet Insurance? See how our editors compare the two companies below.
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Embrace Pet Insurance
8.8 / 10 - Excellent
#3 in Pet Insurance
Our Partner
Petplan Pet Insurance
8.9 / 10 - Excellent
#2 in Pet Insurance
Our Partner
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Key Facts
  • Strong Illness & Accident Coverage - Use Any Vet
  • Optional wellness plan & Rx coverage covers spay/neuter
  • Benefits limited to $15k/yr
  • Customizable Annual Deductible from $200-$1000
  • Comprehensive Coverage (includes vet exam fee!)
  • Flexible annual reimbursement up to Unlimited
  • Choose Annual Deductible from $100-$1,000
  • 24/7 Customer Service – top rated, always available
  • Use any veterinarian in the US or Canada
  • Fast, paperless claim reimbursement via Petplan App
  • 10% Online Discount & Free Barkbox Offer
ConsumersAdvocate.org Ratings
8.8 / 10 - Excellent
10/10
Coverage
7/10
Benefit Limits
8/10
Deductibles
10/10
Reimbursement
9/10
Claims and Service
9/10
Pricing
8/10
Enrollment
8.9 / 10 - Excellent
10/10
Coverage
10/10
Benefit Limits
10/10
Deductibles
10/10
Reimbursement
9/10
Claims and Service
6/10
Pricing
8/10
Enrollment
Customer Reviews
 (93)
8.0 / 10 - Very good
73%
5 stars
4%
4 stars
2%
3 stars
2%
2 stars
17%
1 stars
 (223)
6.4 / 10 - Very good
52%
5 stars
3%
4 stars
2%
3 stars
10%
2 stars
33%
1 stars
Final Verdict

Petplan Pet Insurance and Embrace Pet Insurance are very close in quality and have the same overall rating. That said, Petplan scores better than Embrace across: Benefit Limits, and Deductibles. Whereas, Embrace scores better on Pricing, Reviews, and Enrollment. Both companies score similarly on Coverage, Reimbursement, and Claims and Service.

Latest Reviews

Penny S
Longwood, Florida
Petplan Pet Insurance review
7/27/2017
It was very clear this time that my cat did not have any pre-existing conditions that would prevent the payment, as I have experienced in the past. They agreed to pay all charges, minus the $200 deductible which was fair. They agreed to pay within an hour of submitting the claims. There were initially some problems with their online submission process but they corrected it and I was able to do it all online instead of mailing it in, as in the past.

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for taking the time to share your experience regarding a recent claim you submitted to Petplan. I'm glad we were able to get the technical issue resolved so you could complete your submission online. We hope the treatment your kitty received is helping resolve the reason for your recent visit to the vet.
S
Sarah R
Wadsworth, Ohio
Petplan Pet Insurance review
7/26/2017
My husband and I have been with Petplan for over 20 years now both in the UK and in the USA. We have had many bears (dogs) during this time. We have been fortunate enough to share our homes, money, food, cars and sofas with the hairy critters but unfortunately two of our bears during this time have required many surgeries and treatments. Our last bear who is still living at home is Katie, she is a 10 1/2 year old Newfoundland. Over Katie's life time she has had five major surgeries which alone would have cost us over $10,000 which we would have struggled to pay if it wasn't for the insurance. Not once has Petplan ever come back to us and said 'Sorry, you are not covered', and for this we are very grateful. Not only has Katie had five surgeries but she has had X-Rays, diagnostic ultrasounds, laser treatments, which she is still currently having and a bucket load of medication and all this has been covered. We recommend Petplan to all our friends and family and even people we meet out at the park. Thank you Petplan for your support and continued service.

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Sarah, we are honored that you have chosen Petplan for all these years to protect your family. We're so happy to be there for you when you have needed us the most.
S
Steve B
Chicago, Illinois
Embrace Pet Insurance review
7/24/2017
I have been with embrace for 7 years. I set up a custom plan to cover catastrophic medical events, $1,000 deductible. I needed it twice... it was nice to know I did not have to choose between what I could afford and the life of my beloved dog. Embrace has been wonderful to deal with. All claims where promptly paid and their were no hidden exceptions. Reimbursement was exactly as I expected. The initial set up was a little work, getting all the forms filled out at the vet and sent in. I understand why Embrace asks for those. If they allowed folks to buy insurance as soon as they had a vet bill, they would not be in business very long. I can also say that everyone I spoke to when I called in with questions were very friendly and very helpful. I would and do recommend Embrace to everyone with a pet. You never know when a medical emergency will happen. It's nice to know that you can concentrate on the health care and let Embrace take care of the cost.

S
SANDY
Birmingham, Michigan
Embrace Pet Insurance review
7/20/2017
I had embrace for our hairy guy and boy am i ever glad i did! He was diagnosed with a tumor on his cerebellum in april 2017 and passed away on june 25, 2017. Just awful for us, so heart breaking, we lost a cherished family member but let me tell you, having the embrace policy made this awful, horrible event so much easier to deal with. His mri / blood work was $4,000, i submitted the invoices 2 days later and boom! ....Check was in the mail within 10 days!!!! 80% of his bills have been covered / reimbursed. I have since submitted invoices for his meds and sadly his euthanasia, embrace has issued checks for those expenses as well. We miss that boy sooo much but this policy really made all the difference. If you can, you should!! I am forever grateful to embrace, we loved our boy and they stood behind us, as we had hoped and expected. Thank you embrace!!!

K
Kim K
Seattle, Washington
Embrace Pet Insurance review
3/30/2016
I have 2 10yr old Labs. Embrace has covered all things they have said they would withing the guidelines of the policy. They went out of their way to get my pups medical history and any additional information from the vets office. I don't know if the have the best overall coverage but i'm very happy with the coverage I have and the customer service that I receive. I absolutely recommend Embrace. And no, I have nothing to do with the company other than them being my chosen canine insurer. Have a blessed day

D
David K
Raleigh, North Carolina
Petplan Pet Insurance review
3/23/2015
fast friendly. had no issues with getting doctor paid by PetPlan for several claims. one was about $4000. I only had to pay $200.

N
Natasha E
Pasadena, California
Petplan Pet Insurance review
3/14/2015
I've had PetPlan for years, I think around 8 years now and I cannot be happier with their coverage, speed of processing claims and the amounts that they cover and reimburse. They do not split hairs, and I never had a question or a doubt that they were not being fair in their reimbursements. I've had three cats covered through them, out of which one had to be put down due to acute renal failure and it cost in the ER hospital fees in thousands of $ (LA, CA). They paid me back everything, minus the deductible and up to 80% for the ER/specialty care. Then I adopted my second cat, who is still rather young, but he just had a second bout of pancreatitis in his short 5 years of live. He barely survived and the bill again was in thousands of $$$ for having to rush him in between an ER and ER Specialty hospital. PetPlan again covered a fair deal and sent me a check within 10 days. No questions asked. Fair coverage, happy customer and my cat pulled through, thankfully to this great insurance and even more so to the staff of the two hospitals that took a good care of him. Thank you PetPlan!

C
CJ M
Downers Grove, Illinois
Embrace Pet Insurance review
2/7/2015
Review regarding online quoting system: + allows for seemingly every modification to the quote you would like to make + doesn't appear to have a one time administrative fee + definitely the best quoting site for pet insurance I've found so far