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
Pricing
8/10
Enrollment
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
Pricing
8/10
Enrollment
Customer Reviews
 (77)
7.6 / 10 - Very good
69%
5 stars
4%
4 stars
3%
3 stars
3%
2 stars
19%
1 stars
 (208)
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 has a higher overall rating than Embrace Pet Insurance. Petplan scores better than Embrace across: Benefit Limits, and Deductibles. However, Embrace scores better on Pricing, Reviews, and Enrollment. Both companies score similarly on Coverage, Reimbursement Models, and Claims and Service.

Latest Reviews

A
Andrea F
Tacoma, Washington
Embrace Pet Insurance review
5/28/2017
Fast payment, easy claim filing and no hassles at all - wow!

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++++++++

M
Monica J
Houston, Texas
Embrace Pet Insurance review
5/24/2017
I adopted my dog from a foundation that re-homes retired military working dogs and contract working dogs. My dog had no prior health problems was in incredible shape could scale a 6 foot wall and run faster than any dog I had ever seen in my life he is a pure bred shepherd with incredible hips and saw a veterinarian on a monthly basis during his time working for the government training as a explosive detection dog. Within a couple of weeks of adopting him I made the decision to put him on an insurance plan with embrace pet insurance even though it seemed like there was a very slim chance that this dog would ever have any kind of health problems. Quimby quickly stole my heart and my couch and 6 months after I adopted him he got sick. I took quimby to the emergency room on a Sunday night he could barely breath would not eat, i spent about 2 days and thousands of dollars consulting with specialists and radiologist doing diagnostic tests to try to figure out what was wrong with him and nobody could diagnose what was wrong with him so they ultimately made the decision to perform exploratory surgery. When they opened up his chest they found an extreamly large abscess leaking into his mediastinum cavity, they lanced it and put tubes in his chest to flush it out over the course of about 10 days he was in the ICU. As you can imagine this was an extreamly large sum of money, money that I did not have and without the insurance I wouldn't have been able to get the treatments for my dog, the only reason why my dog is alive is because of embrace insurance and I am so thankful for that.

C
Cathy H
Swansea, Massachusetts
Petplan Pet Insurance review
5/23/2017
I have had Petplan insurance for 15 years for 4 different dogs, and for just 2 of my Golden Retrievers, who unfortunately had numerous health issues they have saved me well over $30,000. But thanks to great health care one lived a happy eleven years, and my eight year Golden is happy and loving life. Because of Petplan I never had to think twice about proceeding with a surgery or treatment, whether it was a simple cracked tooth that needed to be pulled or treatment for mast cell cancer. The new rates are a bit higher but still well worth it, even my German Shepard who is healthy, but has allergies her medication is covered. The staff is great to work with, friendly, helpful, claims processed easily, just scan paperwork and email, check usually in the mail in about 2 weeks.

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for taking the time to share your experience. We're honored.
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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