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
 (84)
8.0 / 10 - Very good
73%
5 stars
4%
4 stars
2%
3 stars
2%
2 stars
18%
1 stars
 (210)
6.2 / 10 - Very good
51%
5 stars
2%
4 stars
2%
3 stars
10%
2 stars
34%
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

G
Gayle M
Cornwall-on-Hudson, New York
Embrace Pet Insurance review
6/22/2017
I thought many times about letting the insurance lapse and not renewing it but the older my pet gets the more he needs his insurance. Recently he was favoring his hind quarters and sometimes falling over to the side. I brought him to his vet and he was given Rimadyl to ease his joint pain. When he went back for his recheck the vet tested him for Lymes disease and to my surprise he tested positive. His medication cost 179.00 at Rite Aid and I submitted a claim for his Lymes and the medication. It makes it so much less painful when I know I am getting money back from our visit. I am grateful for Embrace at times like these.

Robyn M
Katonah, New York
Embrace Pet Insurance review
6/18/2017
Excellent customer care. Thank god i have insurance! It was very reasonably priced. My kitten has a pre-existing condion, but my animal hospital told me to just submit every bill and history and see what they choose to cover. It has actually been in my favor every time!! I get a lot back from them for everything my kitten needs! The only thing I wish Embrace was better at was sending my animal hospital the checks instead of myself. My animal hospital is great, by that they use the check first and then bill me. I have signed their waiver and sent it multiple times to Embrace to pay my animal hospital instead of myself for my coverage, but they still dont follow directions! Hope they get better at that! I am very happy with Embrace; thank god i got insurance for my kitten!!

N
Nikki
San Juan Capistrano, California
Petplan Pet Insurance review
5/29/2017
Emily was great and made the process of filing my claim very simple. She took the time to ask how my my puppy Hula was doing after eating a bee, and even made a personal follow-up phone call a week after we spoke to see how Hula was doing! Petplan has been great for my family. They have knowledgable and caring members on their team and it gives us peace of mind knowing we have good insurance coverage for our pets. This claim was over $1,000.00 and having Petplan made the emergency situation a lot less stressful. I highly recommend Petplan for pet insurance.

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for your review Nikki!
Melissa K
Petplan Pet Insurance review
5/27/2017
I submitted my claims online and then called customer service two days later. Emily Briggs was absolutely amazing and such a wonderful help. She helped expedite Tucker's claims and I could not be happier with her professionalism and friendliness. She was a pleasure to speak with and I am so happy you have such caring service reps who truly care about our pets. A++++++++

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for your review!
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