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 - Exellent
#3 in Pet Insurance
Our Partner
Petplan Pet Insurance
8.9 / 10 - Exellent
#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 - Exellent
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 - Exellent
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
 (20)
4.8 / 10 - Average
30%
5 stars
5%
4 stars
5%
3 stars
10%
2 stars
50%
1 stars
 (123)
6.0 / 10 - Average
49%
5 stars
2%
4 stars
3%
3 stars
11%
2 stars
34%
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

S
Stephanie
,
1/21/2017
My husband and I have been nothing but impressed with PetPlan and the security it offers for us and our two dogs. Every claim we have filed that is eligible has been paid within 3 weeks of submitting. In addition, every employee we have emailed or spoken with over the phone has seemed genuinely interested in our dogs' well being. Despite the plan rates going up this year, we will continue with Pet Plan because we know that we can rely on them.

Alicia Leesha
Clifton Park, New York
1/19/2017
we have had petplan for years. We have always been treated with respect and our vet bills get paid. If it werent for petplan we wouldn't be able to keep one of our dogs who has been very ill. I would guess over the years they have put over 35K into our labrador with degenerative disk disease, hip dysplasia, teeth problems( root canals/extractions) and autoimmune issues.

L
lizskips
Olney, Maryland
12/14/2016
My dear canine companion has been insured by Embrace for 2 and a half years now, since she was 10 weeks old. With every claim, be it routine wellness or emergency, Embrace has responded fairly and quickly. I did extensive research prior to switching to Embrace from my former dog's insurance company. Embrace is by far the best with their coverage, their customer service and their response time. I highly recommend Embrace to everyone!

Kathy Ferry
Massillon, Ohio
12/14/2016
I would give you an excellent rating if it were not for your refusal to cover growths in the mouth. I dont understand this. If a vet says the growth needs removed and sent for histopath then i think it should be covered. I understand dental hygeine and broken teeth and things like that but removing something that could be cancer should be treated just as if it were on another part of the body. I like embrace but will continue to search for insurance that will cover things in the mouth.

K
Kim K
Bellevue, Washington
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
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
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
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