16 Reasons to Consider Embrace over Petplan Pet Insurance
1. Petplan Pet Insurance Doesn’t Offer a Wellness Plan
Petplan Pet Insurance covers only accidents and illnesses with no option for routine care reimbursement. Embrace promotes, rewards, and encourages healthy pets by offering Wellness Rewards, an optional non-insurance product that reimburses for everyday veterinary, grooming, and training costs.
Without the option of a wellness plan there are gaps in Petplans policy. With Embrace there’s no doubt that you have total protection in sickness AND in health.
2. Petplan Pet Insurance Requires Two Years of a Pet’s Medical History to Process Claims
That means they can deny a claim if something happened two years ago! Embrace only needs the last 12 months of records or, for new pets, records back to the first visit you’ve had with them.
Petplan Pet Insurance also requires a pet’s entire medical history in order to do a review to check for pre-existing conditions. Embrace offers an optional Medical History Review, but we only need 12 months of pre-policy medical records, or if your pet was a puppy or kitten or recently adopted, any visits you had with them prior to the policy start date. If your pet has any pre-existing conditions, this review will let you know how they could affect your coverage moving forward.
3. Embrace Offers the Industry’s Best Diminishing Deductible Feature
With Embrace’s Healthy Pet Deductible, your pet's annual deductible automatically goes down by $50 each year you don't receive a claim reimbursement. This is included with every policy at no extra charge.
4. Petplan Pet Insurance Requires Annual Vet Visits At Owner’s Expense
Petplan Pet Insurance requires that all pets have an annual wellness visit in order to qualify for coverage. Since they do not offer any reimbursement for wellness exams, this is an out-of-pocket expense. While Embrace encourages you to see your vet annually (and reimburses for it with Wellness Rewards), there is absolutely no requirement.
5. Embrace Allows More Time to Submit Claims
Petplan Pet Insurance requires claims be submitted within 90 days of the office visit. Embrace gives you your entire policy term, plus 60 days after it renews to submit your claims.
6. Embrace Offers More Payment Options
Petplan Pet Insurance only accepts credit or debit cards which limits how the premium can be paid. Embrace accepts payment via credit card, debit card, and directly from your checking or savings account.
7. No Dental Exam Required with Embrace
In order to receive coverage for dental illness under Petplan Pet Insurance’s policy, pets must undergo an annual dental exam at the owner’s expense. Embrace’s dental illness coverage doesn’t require any sort of annual checkup.
8. Embrace Has Shorter Waiting Periods than Petplan Pet Insurance
Petplan Pet Insurance has a 15-day illness waiting period for accidents and injuries. Embrace has a 14-day waiting period for illnesses and only a 2-day waiting period for accidents and injuries.
9. Embrace’s Initial Vet Visit Requirement is Less Restrictive
Petplan Pet Insurance requires that pets have a vet visit within 6 months of the policy start date. Embrace only requires that pets have a recorded vet visit on file within 12 months of the policy start date.
10. Embrace’s Reimbursement Method Gives More Money Back on Claims
Petplan Pet Insurance calculates claims differently than Embrace, subtracting the co-pay off the claimed amount first and then subtracting the deductible, which leads to 7-10% lower reimbursement for claims under $1,000. Embrace calculates claim reimbursements by first subtracting the deductible and then taking off the co-pay.
11. No Itemized Limitations on Behavioral Conditions with Embrace
Petplan Pet Insurance only covers behavioral conditions up to $1,000 per policy year, therapy, or medication, even if the issue was not present before the start of the policy. Embrace covers behavioral problems, consultations, therapy, and follow-up visits as long as the issue isn’t a pre-existing condition.
12. Petplan Pet Insurance Doesn’t Cover Preventable Conditions
Petplan Pet Insurance does not cover conditions that are preventable with vaccines or preventatives, including heartworm, fleas, internal parasites, and more. Embrace covers preventable conditions.
13. Embrace Covers Racing and Guarding Activities
Petplan Pet Insurance doesn’t cover injury or illness that a pet sustains while racing or guarding. As long as you let us know that your pet is involved in any of these activities at the start of your plan, or when your pet becomes involved in one of these activities, Embrace will cover them.
14. PetPlan Pet Insurance Restricts Coverage for International Diseases
Petplan Pet Insurance will not cover any condition that a pet can contract outside of the United States or Canada. Embrace does not have geographic limitations for illness coverage.
15. PetPlan Pet Insurance Doesn’t Offer 24/7 Pet Health Line
PetPlan Pet Insurance does not give their policyholders access to Pet Pros round-the-clock, so if you have questions about your pet’s behavior, diet, or a possible emergency, you’d have to wait for your vet’s regular business hours. Embrace has partnered with PawSupport to give our policyholders access to Pet Pros 24 hours a day, 7 days a week – even on holidays. And the best part is that this feature is included with every policy at no extra cost.
16. Embrace Pet Insurance Doesn’t Require a Claim Form When You Submit Through MyEmbrace
When you submit a claim through MyEmbrace, Embrace doesn’t require a claim form – you simply fill in the questions online and send pictures of the invoice.