🇵🇷 Important Hurricane Maria Update from our Headquarters

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: November 23, 2017
Disclosure: We receive advertising revenue from some partners.
 Learn more.
Embrace Pet Insurance
8.8 / 10 - Excellent
#3 in Pet Insurance
Petplan Pet Insurance
8.9 / 10 - Excellent
#2 in Pet Insurance
vs

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

 (120)
8.4 / 10 - Excellent
76%
5 stars
4%
4 stars
3%
3 stars
2%
2 stars
16%
1 stars
 (249)
6.6 / 10 - Very good
53%
5 stars
4%
4 stars
2%
3 stars
9%
2 stars
30%
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

D
David R
Tustin, California
11/15/2017
Embrace Pet Insurance review
Goldie, (my Silkie/whippet mix) had a great 2016; no claims at all. However the year before she managed to accumulate nearly $6000.00 in medical bills between self-inflicted poisoning (sago plant ingestion) and pancreas issues, again eating things she shouldn't. After the deductible was paid I only had $1600.00 total out of pocket expense. I'm on a serious budget and $6000.00 for a doggie Dr. bill... I may not have been able to save her. Because of Embrace I was able to save her from certain death! THANK YOU SO MUCH EMBRACE!


M
Marc R
Fairfield, California
11/9/2017
Embrace Pet Insurance review
The Embrace representatives we spoke with on the phone were extremely helpful and courteous. They also provided excellent information regarding processing the claim. Our claim was processed in a timely manner without any discrepancies. The reimbursement check was exactly the amount we expected to receive when we filed the claim. Thank you.


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
Seattle, 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
Plainfield, 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