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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Select 2 pet insurance companies to compare
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Embrace Pet Insurance
8.5 / 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
8.5 / 10 - Excellent
10/10
Coverage
7/10
Benefit Limits
8/10
Deductibles
10/10
Reimbursement Models
9/10
Claims and Service
7/10
Costs
8/10
Reviews
8.9 / 10 - Excellent
10/10
Coverage
10/10
Benefit Limits
10/10
Deductibles
10/10
Reimbursement Models
9/10
Claims and Service
6/10
Costs
8/10
Reviews
Customer Reviews
 (53)
7.4 / 10 - Very good
64%
5 stars
4%
4 stars
2%
3 stars
4%
2 stars
26%
1 stars
 (180)
6.2 / 10 - Very good
51%
5 stars
3%
4 stars
3%
3 stars
10%
2 stars
33%
1 stars
Final Verdict

Petplan Pet Insurance has a higher overall rating than Embrace Pet Insurance. Petplan scores better than Embrace across: Benefit Limits, and Deductibles. However, Embrace scores better on Costs, and Reviews. Both companies score similarly on Coverage, Reimbursement Models, and Claims and Service.

Latest Reviews

Stacey W
Petplan Pet Insurance review
3/20/2017
The "happiness manager" (Emily B.) did a great job working through a somewhat complicated claim issue, with a favorable result for our claim (with several calls and always with a pleasant and welcoming manner -- a pleasure to work with her). To get such a favorable result means that the claims adjuster was also willing to work out the issue to our benefit. We had a different insurer for one of our cats, and the Pet Plan experience has been a welcome relief. We will recommend Pet Plan to other pet owners.

Keith Guse  
Official Response

Director of Content of Petplan Pet Insurance
Thank you, Stacey!
Veronica F
Saint Louis, Missouri
Petplan Pet Insurance review
3/20/2017
I cannot say enough positive remarks about Petplan. My dog Coco became suddenly ill and was in grave condition. She had acute pancreatitis/Gastroenteritis and was hospitalized in/out for a couple of weeks. While she was being treated for this condition it was discovered that she had Cancer. I was devastated as most pet parents would be. I almost lost Coco last weekend and my heart was broke. I had to submit claim after claim to Pet Plan and I thought for sure I would lose my insurance however; Pet Plan was incredible. They paid my claims without hesitation and never once denied any claims for me. I am thankful for Pet Plan and I have been asked numerous times at the hospitals and vets who I use for insurance. I am happy to report the best insurance company any pet owner could have. Thank you for all the support, kindness and keep the Fetch Magazine for I found an article that was so valuable to me during this difficult time. I am happy to report Coco is still with me thanks to all the great doctors and to Pet Plan who worked with me the entire time.

Keith Guse  
Official Response

Director of Content of Petplan Pet Insurance
So glad to hear about Coco! Thanks, Veronica!
carole b
Hemet, California
Embrace Pet Insurance review
3/19/2017
Very impressed with the professionalism your group has shown to me in my time of need. After Dolcee passed away your staff sent condolence cards with very touching comments. It was so appreciated.

S
Stephen H
Pembroke, Massachusetts
Embrace Pet Insurance review
3/3/2017
We had to put down our beloved Black Lab (8 years old) due to a spinal cord tumor. My wife and were devastated but the only positive of the whole experience was how wonderful Embrace was covering his claim and reimbursing us for the sizable medical bills he incurred before his euthanasia. I would (and already have) strongly recommend Embrace to any pet parent. The staff was genuinely sincere and compassionate about our loss and did their best to help us with our claim.

K
Kim K
Bellevue, 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
Durham, 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