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: February 23, 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

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
Per Condition 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: All spayed or neutered pets receive a 5% discount, If you have 2 or more pets on your policy then each pet will automatically receive a 5% multi-pet discount, If you choose to pay your policy in full each year then you will receive a 5% annual pay discount, Any pet parent (or their spouse/partner) who is actively serving in the Air Force, Army, Marines, Navy, or Coast Guard will receive a 5% discount, Any pet that has been PennHIP tested with a bilateral score of 0.3 or lower is eligible for an additional 5% discount
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
8 years
Accident Waiting Period
2 days
Illnesses Waiting Period
14 days
14 days
Free Look Period
30 days
30 days

Claims & Service

 EmbracePetplan
Advertised Response Time
15 days
5 days
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

C
Carleen
Spokane, Washington

2/21/2018
Embrace Pet Insurance review
During a very traumatic time when we were not sure if our pup was going to make it, I didn't have to slack on care knowing I had Embrace Pet Insurance. The claims were processed very quickly, I was very impressed.


D
David
Van Wert, Ohio

2/18/2018
Embrace Pet Insurance review
We've had no issues with Embrace Pet Insurance Co. what so ever. In fact Embrace goes out of their way to explain what your pet is covered for and just as importantly, what is not covered. No surprises. Having talked with these folks on more than one occasion, I'm convinced they're also animal lovers . . . . . .


N
Nick
, Minnesota

10/20/2017
Petplan Pet Insurance review
We have had Pet Plan for 7 years. As long as we have had our dogs. This past August was the first time we had to use the insurance. One of our dogs was attacked and had close to $5,000 in medical bills. Originally we had trouble logging into the website, but their IT department sorted it promptly and kept in touch with us. More importantly Jenny, and later Gina "Happiness Managers" did a great job of helping us. We were on vacation and did not receive notice that they needed additional information. When we returned we were worried that it would become a "hassle". However, we emailed Gina. She responded really quickly. Our vet then sent over the information on a Friday, and by the next Tuesday Gina confirmed that our reimbursement check was on the way! Excellent customer service and big thank you to Jenny and Gina as excellent Happiness Managers.


S
Susan T
Scotts Valley, California

10/12/2017
Petplan Pet Insurance review
I have had Petplan Insurance for about five years for my dog Madi. Madi is now eight years old and recently developed an allergy that make her very itchy, which means we have been seeing a Dermatologist. These visits are not cheap, but Petplan has been very good about reimbursing me for my expenses. I recently called Petplan to change some account information and ask about a couple of claims. Nick was very helpful with these matters and even called back the next day to let me know that my claims had been processed and my reimbursement was on the way. I really appreciate his follow-up; which was unexpected.

Keyai L  
Official Response

Community Manager of Petplan Pet Insurance
Thank you for taking the time to post your review Susan. We're so glad Nick exceeded your expectations.

K
Kim K
Tacoma, 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
Raleigh, 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

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