Compare Embrace to Petplan

Below we've prepared a list of important comparison points between Embrace and Petplan. Both companies have top-rated customer service at PetInsuranceReview.com, but we wanted to share some other information that may impact your out of pocket costs when you go to make a pet insurance claim.

			Petplan
	Coverage for Unexpected Emergency Room Visits		Vague
	Wellness & Routine Care Plans
	Annual Deductible
	Reimbursement Method	Deductible Then Co-Pay	Co-Pay Then Deductible
	Extra Fees	None	$2.50/pet Every Month
	Yelp Score *includes filtered reviews	4 stars*	3 stars*

Coverage for Unexpected ER Visits

Petplan’s policy is vague regarding reimbursement for visits to the veterinary emergency room. It puts the burden on the pet parent to comply with the policy’s provision that “your primary veterinarian must certify the life-threatening reason for the ER visit”. You won’t know if you’ll be reimbursed until after you’ve already gone. Embrace takes the guess work out of pet insurance by covering unexpected ER visits.

Wellness & Routine Care Plans

Embrace’s Wellness Rewards is a stand-alone routine care plan to help you pay for regular visits to your vet. If your vet charges $100 for a puppy wellness visit, that’s how much Embrace will reimburse. Petplan does not offer a Wellness Plan. Choose a company that promotes, rewards and encourages healthy pets.

Annual Deductible

With Embrace, you only need to meet your deductible once per year, regardless of how many claims you make. With Petplan, you pay a new deductible each time you visit the vet for a new condition. If your pet has an unlucky year you're out a few hundred dollars more.

Reimbursement Method

Petplan calculates claims differently than Embrace, subtracting the co-pay off the claimed amount first and then subtracting the deductible. Embrace calculates claims reimbursements by first subtracting the deductible and then taking the co-pay. Embrace’s method gets you more money back. If you have a $700 incident and a $200 deductible, Pet Plan's method will cost you $40 more out of pocket.

Extra Fees

Don’t be nickel and dimed with fees. Embrace prides itself on having no annual fees and no monthly payment fees. Petplan charges a $2.50 fee per pet per month when you use your credit card to pay. These fees can add up, especially if you have multiple pets. Why pay additional fees each month, even if you’re not using the insurance?

Yelp Reviews

Embrace continually strives to deliver a first-rate customer experience. This starts with your first interaction on the web, phone, or over email, and continues through to your experience as a policy holder. We encourage you to be thorough in your review of our customer satisfaction scores and our competitors. If you include the filtered reviews on Yelp you'll find over half of Petplan reviews are 1-star. When it comes to insurance its best to put your trust in the hands of a company you can count on when filing claims.

This comparison of Petplan's insurance plans and coverage was wholly prepared by Embrace Pet Insurance Agency and last updated in February 2013. If you have questions about Petplan plans, prices, or coverage we encourage you to contact a representative of Petplan.