Embrace vs. Petplan

With pet insurance, the difference is in the details. That's why we've compiled a list of important comparison points between Embrace and Petplan Pet Insurance, so you can decide for yourself.


Logo Petplan Pet Insurance
Optional Routine Care Plan True
Reimbursement Method Deductible then Copay Copay then Deductible
Yearly Exam Required
True
Diminishing Deductible True

Optional Routine Care Plan

Petplan currently does not offer routine care coverage. 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.

Reimbursement Method

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

Yearly Exam Required

Petplan's terms and conditions require that your pet have a routine veterinary exam annually. This requirement allows Petplan to deny claims if your pet hasn't been to the vet in the last year. While Embrace requires a routine vet visit to start coverage and encourages policyholder to keep up with regular vet visits, we do not require yearly exams as part of the terms and conditions of your policy.

Diminishing Deductible

Embrace is the only pet insurer to offer a diminishing deductible. 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.

Information last updated July 2017. Petplan is underwritten by XL Specialty Insurance Company and AGCS Marine Insurance Company.