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 - 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
 (26)
4.6 / 10 - Average
31%
5 stars
4%
4 stars
4%
3 stars
8%
2 stars
54%
1 stars
 (146)
6.2 / 10 - Very good
51%
5 stars
3%
4 stars
3%
3 stars
10%
2 stars
32%
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

Harold Schultz
2/18/2017
We have a 9 year old GoldenDoodle and have had Embrace Insurance since he was a puppy. Our claims have always been taken care of promptly without any issues. Recently, we have had a serious issue involving a tumor in his knee and Embrace has been wonderful to deal with. This is a very difficult time for us but there is necer an issue with payment of his veterinary bills. We would recommend Embrace to anyone for compassionate, efficient handling of claims.

D
Dan Miller
Seattle, Washington
2/17/2017
The entire team at Embrace is top-notch. We have been customers for 10+ years and have never once regretted the investment in our dogs health. Claims are processed quickly, fairly and transparently. And the entire team makes you feel part of the family rather than just an anonymous customer.

S
Stan Burford
2/17/2017
Insurance, for any reason, is one of life's little burdens we all grumble about. So the question is, are better having it or not? We all know the answer, or you wouldn't be shopping here. I, of course had to learn the hard way - several thousand dollars of pet vet bills for a young dog told me that it could happen again. Enter Petplan. I did shop around and their rates, services and compensation plan were [are] the best. Unfortunately I've had to make several claims and each time Petplan has been there for us from moment one. I only wish they handled my car insurance. 5 STARS !!!!!

R
Rene Rutishauser
Denver, Colorado
2/15/2017
I have been a Petplan customer for quite some time. Recently, our dog broke a tooth and pulp exposure required a triple root canal to avoid infection and tooth loss. I got pre-authorization from Petplan without a problem and was able to get our dog in with the vet dentist in time to avoid further complications. After the procedures I corresponded with Emily at Petplan. She made sure that I would submit the right paperwork and final invoice etc. in order to get reimbursed quickly as it was quite a large bill. Emily was extremely helpful, kind and professional and only enhanced my very positive experience with Petplan.

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.

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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