Embrace vs. Petplan Pet Insurance Compared
5 July, 2018
embrace vs. petplan

By:  Lisa Fimberg

If you are looking for a new pet insurance company or just want to compare some of the best ones, there are many companies to consider.  Many of the pet insurance companies offer comprehensive coverage at good rates.  Embrace and Petplan are among the best pet insurance companies; however, there are some differences in their coverage and benefit options.


embrace pet insurance

Embrace Pet Insurance Overview:

Embrace has a very strong customer satisfaction rating and reviews.  Their plans tend to be a little more expensive than most yet they do cover many conditions and treatments not offered at all by most plans. This includes behavioral therapy and prosthetics. They also offer alternative therapy for an additional fee.  They don’t have unlimited coverage (up to $15,000), but do offer a range of annual deductible options.

petplan pet insurance

Petplan Pet Insurance Overview:

Petplan is consistently recognized as a top-rated pet insurance company among veterinarians and their customers. Petplan’s comprehensive coverage is one of the few providers that includes the veterinary exam fee (as long as it is not routine).  They offer a lot of flexibility in their packages so you can customize it to fit your specific need and goes up to unlimited coverage.  If you have an older dog or cat, they are one of the few policies that does not have an upper age limit for dogs.

Embrace coverage includes all of the following;

Medical Conditions covered:

Accidental, Illness, Hereditary, Congenital, Cancer, Chronic, Accidental Dental

Medical Treatments Covered:

Diagnostic Testing, Surgery, Hospitalization, Prescription Medications, Emergency Care, Specialty Care, Alternative Care, Behavioral Therapy, Prosthetic and Mobility Aids.

Petplan coverage includes all of the following:

Medical Conditions Covered:                                                                                

Accidental, Illness, Hereditary, Congenital, Cancer, Chronic, Accidental Dental

Medical Treatments Covered:

Diagnostic Testing, Surgery, Hospitalization, Prescription Medications, Emergency Care, Specialty Care, Alternative Care, Dental Illness

Embrace Coverage Details:

Embrace offers a standard plan that covers the typical accident and illness conditions. It also covers treatments that most insurers don’t offer including alternative treatments, behavioral therapy, and prosthetics.   Embrace even covers your veterinarian pet exam fee which is unique.

Every Embrace accident and illness policy comes with the same coverage and you can personalize it to fit your budget and your needs.   You can control the annual maximum, deducible and reimbursement.

Embrace offers a Wellness Rewards account that is similar to a flexible spending account. It can give you up to $650 a year in cash rewards that can be used on dental cleanings, nail trimmings, flea prevention, spaying or neutering, and routine visits to the vet.

Embrace also offer three options for Wellness Rewards reimbursement, you can choose the perfect amount for each pet, each year. $250 allowance per policy year up to $650 allowance per policy year.

Embrace offers alternative and holistic veterinarians and are included in your accident and illness policy. Also included are chiropractic care, homeopathy, holistic therapy, hydrotherapy, and even reiki which can be a great option.

Petplan Coverage Details

Petplan offers extremely comprehensive coverage as well and is among the top in the industry. They handle all accidents and new illnesses without restrictions for hereditary or congenital conditions, as well as medications, advanced testing, hospital stays, rehabilitative care, and holistic therapies. Also, all non-routine veterinary exam fees are covered in all plans, including emergency hospitals and specialists making it unique compared to other providers.

Petplan has an advantage over Embrace as it has a more comprehensive coverage and flexibility as it does not an upper limit to benefits where Embrace tops out at $15,000.   Petplan will insure pets at any age while Embrace goes up to 14 years (which is still a very good option). Petplan is also one of the few providers that will cover hip dysplasia in all of their policies

Petplan currently does not offer routine care coverage like Embrace. Embrace promotes and encourages healthy pets by offering Wellness Rewards, an optional non-insurance product that reimburses for routine veterinary, grooming, and training costs, but it does have an additional fee.

Benefit Limits

Embrace offers an annual maximum that is customizable, although the highest limit is lower than some other companies, and they do not offer unlimited coverage. By allowing their policy holders to customize their options, it can be beneficial in lowering premiums.  This could be a good option for a younger dog or cat.

The lowest limit is $5000 and the highest is $15,000. This refers to the maximum they will pay for all incidents and procedures for the entire year. If your pet requires multiple, serious procedures, or cutting edge treatment, this might be limiting for you dog or cat.

Petplan doesn’t offer unlimited coverage across the board unlimited coverage, but it does offer the flexibility in allowing you to choose your annual benefit limit which helps lower the costs.  Petplan’s annual limits can be set at $2,500, $5,000, $10,000, $15,000, $20,000, and $25,000 or unlimited.  Petplan really stands out in that there are no per condition limits or lifetime caps, which guarantees your dog or cat will be covered for the duration of an illness or injury or any chronic condition.


Embrace offers a wide range of annual deductible options — $100, $200, $300, $500, up to$1,000 which gives customers even more flexibility in designing a policy that fits their budget.

Embrace policy holders also save with Embrace’s Healthy Pet Deductible program, which decreases the deductible by $50 every year that you don’t submit a claim!  This can really help especially if you have a younger dog or cat.  Wellness Rewards claims for routine care are handled separately.  As with most policies, the higher the deductible, the lower the monthly premium

Petplan has a very flexible deductible option and allows you to choose whether to apply the deductible annually or per condition. You can also choose your deductible rate from as low as $100 up to $2,500. The deductible can be increased in $50 increments.

If you decide to choose the per-condition plan, this means that if your pet has a few vet visits for the same condition within the policy year, you will pay the deductible for your policy only once for this condition even if you file three claims for the same condition. This can be very beneficial for a dog or cat that has cancer or a serious injury or illness and would make Petplan more appealing.

Petplan similarly works on an annual deductible.  If you choose the higher deductible, you will have a lower monthly premium.


Embrace’s policies are among the most customizable to fit your budget. Embrace will cover anywhere from 65% to 90% of your actual vet bill. Choosing a lower reimbursement percentage will lower your monthly premiums

Embrace also offers a lot of flexibility in their Wellness program with three options: $250, 450 or up to $650 allowance per policy year.   It’s a nice and rare addition to have that type of flexibility in a Wellness program.

Petplan also works on a percentage basis and will pay the portion of your actual veterinarian bill after you have met your deductible. The percentages available are 70%, 80%, and 90%.  The higher the reimbursement level, the higher the premium.

Both plans reimburse on your actual vet bill which is always the preferred choice.


Embrace’s premiums are in line with other pet insurance providers when insuring a younger pet but can get pricier thereafter.  It does help that due to the wider range of options available, the policy is more customizable, enabling you to keep premiums as low as you need.

The starting monthly premiums for dogs is $13.04 and for cat is $8.98

A 5% discount is available to those with spayed or neutered pets, for those with multiple pets, for those making annual payments, and for members of the military and paying through your bank account i or credit card.

Petplan offers competitive pricing that is comparable to other to plans. Petplan also offers discounts if you registration online, as well military personnel or medical service pets.

The starting premium for dogs is $29.16 and for cats is $18.19.

Enrollment and Waiting Periods

Embrace’s waiting periods are pretty much standard when compared to other companies. For accidents and illnesses the waiting period is 14 days. However, in some states the waiting period for accidents is only 48 hours, or two days which is quicker than most.

You can enroll your pet as young as 6 weeks old and 14 years old is the maximum enrollment age.

There is an additional six month waiting period for dogs for orthopedic conditions, but there is an option to have this reduced to as little as 14 days.

Petplan’s waiting periods are also fairly standard and the starting enrollment age for dogs and cats as young as six weeks.  What’s really great about Petplan is that it doesn’t not have an upper age limit so older dogs and cats get covered as well.

Accident coverage begins 5 days after enrollment, but there is a 15 day waiting period for illnesses. Medical records are not required for enrollment.

Claims and Service

Embrace has some of the best feedback for their customer service. The majority of online reviews are very positive and customers are happy with their quick reimbursement.

Claim forms can also be uploaded through MyEmbrace, their online customer account.  You can check the status of your claim in your MyEmbrace account. Wellness claims usually take 5 business days to process following the receipt of all of the necessary information. Illness and accident claims usually take 10-15 business days to process following the receipt of all of the necessary information.

Embrace also offers unlimited access to this complimentary service called WhiskerDocs which is their 24/7 pet help line providing instant, real-time access to veterinary experts.

Petplan is one of the only pet insurance companies to specifically state a claims payout timeframe of 30 days.  It can be faster, from 5 to 14 days, if your claim is accepted right away, but 30 days is the longest it would take to get reimbursed on a claim.

Both Embrace and Petplan offer excellent coverage and benefits.  It really is up to your budget and what your pet’s needs are or could be in the years to come.  If you are looking to get some other quotes from different providers, take a look at our top pet insurance companies of 2018.


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