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  3. Embrace vs. Petplan

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 24, 2024
Embrace Pet Insurance
4.4 / 5 - Excellent
#4 in Pet Insurance
VIEW RATES
Petplan Pet Insurance
no_rank
VIEW RATES
vs

Key Facts

  • Unlimited reimbursement, use at any vet
  • Covers illnesses, conditions & accidents
  • Add on dental insurance & prescription coverage
  • Optional wellness plan for routine check-ups, grooming & training costs
More Details >
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OVERALL RATINGS

 EmbracePetplan
Coverage5.0/50.0/5
Cost4.5/50.0/5
Extras4.5/50.0/5

What do their policies cover?

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

Medical Conditions Covered

Embrace
vs
Petplan
  • 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

How do their benefit limits compare?

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

Reimbursement & Deductible Differences

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

Cost Comparison

Starting Monthly Premiums

 EmbracePetplan
Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$13.04
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$8.98
Rate Details: Annual Deductible: $1,000 Benefits Cap: $5,000 Reimbursement Model: 70% of Actual Cost
Rate Details:
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).

Compare Enrollment & Waiting Periods

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

Claims & Service

 EmbracePetplan
Claim Form
Mail
Email
Fax
Online Portal

Company Disclaimers

Contact & Additional Information

 EmbracePetplan
Homepage URL
http://www.embracepetinsurance.com
Headquarters Address
4530 Richmond Road, Cleveland, OH, 44128
Mailing Address
PO Box 22188, Beachwood, OH, 44122
Year Founded
2003

Customer Comments & Reviews

ritzmann.roy

9/6/2022
Embrace Pet Insurance review
I love Embrace. Indeed, my dog had an unexpected surgery after a complication from being neutered, at the same time that I had back surgery. Both surgeries were successful, but reimbursement from Embrace was a breeze, while dealing with my insurance company, not so much. Thankfully, I now have Medicare, but I recall sending a note to Embrace saying my only disappointment was that they didn't insure people. I would never go without insurance from Embrace for my dog. It just makes fet decisions so easy. Do what is best for the dog and don't worry about paying.

reeltherapytx

8/6/2022
Embrace Pet Insurance review
We’ve had Embrace for four years, never had a claim denied and every time we’ve submitted a claim it has been processed and any money coming back to us has been in our bank account within less than 5 business days. We love it!

K
Kim K

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

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

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Healthy Paws Pet Insurance
3.9 / 5 - Very good
#1 in Pet Insurance
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