Compare Embrace to Petplan

Becoming a pet insurance expert means understanding the detailed differences between companies. To help you, we've prepared a list of a few important comparison points between Embrace vs Pet Plan. 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’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.

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.

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. Pet Plan does not offer a Wellness Plan. Choose a company that promotes, rewards and encourages healthy pets.

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.

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?

Embrace is Accredited with the Better Business Bureau and has an A+ rating, meeting all 16 BBB benchmarks of excellence. PetPlan has a B rating. Would you put your trust with an insurance company that isn’t A-rated?