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
8.5 / 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
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
 (18)
4.4 / 10 - Average
28%
5 stars
6%
4 stars
0%
3 stars
11%
2 stars
56%
1 stars
 (91)
5.4 / 10 - Average
41%
5 stars
2%
4 stars
3%
3 stars
12%
2 stars
43%
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
Sharon Artinger
Allentown, Pennsylvania
12/2/2016
We are currently experiencing every pet parent's worst nightmare- learning that our dog has cancer. We obtained Petplan insurance for our soon-to-be seven-year-old Doberman, Scarlet, along with two of our other dogs when they were very young. I can't say enough about the entire Petplan Insurance organization. They have responded promptly, efficiently, and with extreme compassion from the second that we had to rush Scarlet to our vet 3 weeks ago, to her being transferred to an Emergency Specialty Clinic, and to now receiving weekly chemotherapy treatments. She also receives Physical Therapy two times weekly to help regain the use of her back legs, which she lost partial use of. Each and every claim that we submitted was handled with a sense of urgency. Several pre-authorization requests were also submitted and handled very promptly and also with a sense of urgency and concern for the care of our beloved pet. Not only did I receive follow-up email responses from Petplan but I also received very empathetic phone call responses to accompany their emails, as well. I can't say enough about representatives -Chris Rugal, Bianca D'Amato, Dan Mason, David Nelson, and claims adjuster Sarah Baker. They have truly gone above and beyond, and are assets to their profession. They are genuinely compassionate to our situation and their interaction is helpful in making a very emotional experience less painful. I would encourage anyone who owns a pet to consider Petplan Insurance. One never knows what life has in-store for us. You wouldn't go without insurance for yourself or your children -why would you go without insurance for your pet? They are beloved and treasured family members. Petplan Insurance is by far the best pet insurance company out there. And believe me, I know -I have researched all of the other pet insurance companies, and in comparison, Petplan is by far superior, from their service to the various plans offered . Scarlet is fighting and we have such Peace of Mind and are extremely grateful knowing that we could give her every opportunity that is offered to her with the help of Petplan.

S
Sharon Artinger
Allentown, Pennsylvania
12/2/2016
We are currently experiencing every pet parent's worst nightmare- learning that our dog has cancer. We obtained Petplan insurance for our soon-to-be seven-year-old Doberman, Scarlet, along with two of our other dogs when they were very young. I can't say enough about the entire Petplan Insurance organization. They have responded promptly, efficiently, and with extreme compassion from the second that we had to rush Scarlet to our vet 3 weeks ago, to her being transferred to an Emergency Specialty Clinic, and to now receiving weekly chemotherapy treatments. She also receives Physical Therapy two times weekly to help regain the use of her back legs, which she lost partial use of. Each and every claim that we submitted was handled with a sense of urgency. Several pre-authorization requests were also submitted and handled very promptly and also with a sense of urgency and concern for the care of our beloved pet. Not only did I receive follow-up email responses from Petplan but I also received very empathetic phone call responses to accompany their emails, as well. I can't say enough about representatives -Chris Rugal, Bianca D'Amato, Dan Mason, David Nelson, and claims adjuster Sarah Baker. They have truly gone above and beyond, and are assets to their profession. They are genuinely compassionate to our situation and their interaction is helpful in making a very emotional experience less painful. I would encourage anyone who owns a pet to consider Petplan Insurance. One never knows what life has in-store for us. You wouldn't go without insurance for yourself or your children -why would you go without insurance for your pet? They are beloved and treasured family members. Petplan Insurance is by far the best pet insurance company out there. And believe me, I know -I have researched all of the other pet insurance companies, and in comparison, Petplan is by far superior, from their service to the various plans offered . Scarlet is fighting and we have such Peace of Mind and are extremely grateful knowing that we could give her every opportunity that is offered to her with the help of Petplan.

J
Judith S
Middleburg, Florida
11/19/2016
Embrace is the absolute best. They have literally saved my dog's life. He has polyneuropathy which is a death sentence for other dogs. They have covered not only his acupuncture but also his stem cell injections that my dog Leo gets from the University of Florida vet school. There is no question that without Embrace my dog would be dead. Not only that, but in my many years with them, they have never, at any time, given me any difficulties with covering a claim and have always been courteous and caring to deal with. I could not possibly recommend them more highly.

R
Rachel Simpson
Hubbard, Ohio
10/24/2016
I have had my border collie covered by Embrace since he was a puppy, and have been quite satisfied with the insurance. They have covered and paid many claims for him, including alternative therapies for various injuries (Chiropractic, laser therapy, massage). I have never had a problem with them.

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