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.
Last Updated: April 18, 2018
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Embrace Pet Insurance
8.8 / 10 - Excellent
#3 in Pet Insurance
Petplan Pet Insurance
8.9 / 10 - Excellent
#2 in Pet Insurance
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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

OVERALL RATINGS

 EmbracePetplan
Coverage10/1010/10
Benefit Limits7/1010/10
Deductibles8/1010/10
Reimbursement10/1010/10
Claims and Service9/109/10
Pricing9/106/10
Enrollment8/108/10

What do their policies cover?

 EmbracePetplan
Pets Covered
Dogs
Cats
Dogs
Cats
Coverage Types
Medical
Wellness
Medical
Vet Selection
Unrestricted
Unrestricted
Out-of-State Coverage
Commercial Pets Covered

Medical Conditions Covered

Embrace
vs
Petplan
  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Dental Illness
  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Dental Illness

Medical Treatments Covered

Embrace
vs
Petplan
  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Behavioral Therapy
  • Prosthetics & Mobility Aids
  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Alternative Care

How do their benefit limits compare?

 EmbracePetplan
Benefit Limit Types
Annual
Annual
Unlimited
Annual Benefit Maximum
$15,000

Reimbursement & Deductible Differences

 EmbracePetplan
Reimbursement Model
Actual Cost
Actual Cost
Minimum Percent Reimbursement
65%
70%
Maximum Percent Reimbursement
90%
90%
 EmbracePetplan
Deductible Type
Annual
Annual
Minimum Deductible Offered
$100
$100
Maximum Deductible Offered
$1,000
$1,000

Cost Comparison

Starting Monthly Premiums

 EmbracePetplan
Dogs
$13.04
$29.16
Cats
$8.98
$18.19
Rate Details: Annual Deductible: $1,000 Benefits Cap: $5,000 Reimbursement Model: 70% of Actual Cost
Rate Details: Annual Deductible: $1,000, Benefits Cap: $5,000, Reimbursement Model: 70% of Actual Cost
Available Discounts: Discounts vary by state. Discount options include, but are not limited to, a multiple pet discount of 5-10%, military discount of 5%, spay/neuter discount of 5%, annual payment discount of 5%, paying via bank account discount of 5%, and PenHIP discount of 5% (if score is 0.3 or lower).
Available Discounts: Wag-worthy 10% discount for veterinary professionals when they enrol online (5% veterinary professional discount + 5% online discount)

Compare Enrollment & Waiting Periods

 EmbracePetplan
Min Enrollment Age
6 weeks
6 weeks
Max Enrollment Age
14 years
Illnesses Waiting Period
14 days
15 days
Free Look Period
30 days
30 days

Claims & Service

 EmbracePetplan
Claim Form
Mail
Email
Fax
Online Portal
Mail
Email
Fax
Online Portal
Mobile App

Contact & Additional Information

 EmbracePetplan
Homepage URL
Headquarters Address
4530 Richmond Road, Cleveland, OH, 44128
3805 West Chester Pike, Suite 240, Newton Square, PA, 19073
Mailing Address
PO Box 22188, Beachwood, OH, 44122
3805 West Chester Pike, Suite 240, Newton Square, PA, 19073
Year Founded
2003
2003

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.


Customer Comments & Reviews

M
Mary H
Chicago, Illinois

4/16/2018
Petplan Pet Insurance review
I have gone through the ringer with you! I have to WORK a full time job with you to get service Promised. Claims are lost! Inability to read claims! A timely return on cash put out! Shameful! This company is full of regret! Apologies etc. etc.


C
Callie
Atlanta, Georgia

4/13/2018
Petplan Pet Insurance review
We have had an excellent experience with Petplan! Our wheaten poodle mix has had several stomach and allergy issues since we adopted him and I don't know what we would have done without Petplan! My only advice would be to check into the policy and plan for when the coverage actually begins. We didn't realize there was a waiting period once we signed up for treatment coverage and had to pay more from the onset of our policy than we anticipated.


S
Sheri R
Newark, New Jersey

4/11/2018
Embrace Pet Insurance review
My promise to my two adopted pugs was to get pet insurance for them. I didn't have it for my previous pug and I regret it to this day. Once my Piper and Phoebe became mine I signed up for Embrace Pet Insurance and have not regretted it once. Having pet insurance gives you the peace of mind to have your pet treated even in emergencies. Embrace Pet Insurance will always be in my budget. I know Piper will be well taken care of over the years to come. Get a quote today. It may seem high, but you can be assured it is worth the money...especially after its first use.


J
Jeff L
Warren, Ohio

4/5/2018
Embrace Pet Insurance review
I was very nervous when I called. ( I had never before filed an insurance claim of any kind). By the end of that call I was laughing and joking with Dan. I went from defeated and fearful of what lay ahead for my dog to joyful that Embrace had proved such a good choice for us.


K
Kim K
Spanaway, Washington

3/30/2016
Embrace Pet Insurance review
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
Petplan Pet Insurance review
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

3/13/2015
Petplan Pet Insurance review
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
Belvidere, Illinois

2/7/2015
Embrace Pet Insurance review
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