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.

 

Plan Features Embrace Pet Insurance Logo Petplan Pet Insurance
Optional Routine Care Plan Yes
One Comprehensive Policy Yes
Medical History Requirement 12 Months 24 Months
Diminishing Deductible Feature Yes
No Annual Vet Visit Requirement Yes
No Extra Office Visits for Senior Pets Yes
Window to Submit Claims Full Policy Term + 60 Days 90 Days from Office Visit
Direct Pay from Your Checking/Savings Account Yes
24/7 Pet Help Line Yes

9 Reasons to consider Embrace over Petplan Pet Insurance

Optional Routine Care Plans

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.

Without the option of a wellness plan there are gaps in Petplan’s policy. With Embrace there’s no doubt that you have total protection in sickness AND in health.

One Comprehensive Policy

Petplan allows you to customize your deductible, maximum, and reimbursement percentage, but their Basic plan excludes behavioral coverage. It can be difficult for you to find what’s best for your furry friend when plans offer different coverage. Embrace offers one simple yet comprehensive policy.

Simpler Medical Records Requirement

Petplan requires two years of your 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 also does not offer any review of your pet’s medical records when you enroll, leaving it to be done when you file your first claim. Embrace offers you an optional Medical History Review. If your pet has any pre-existing conditions, this review will let you know how they could affect your coverage moving forward.

Diminishing Deductible Feature

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.

No Annual Visit Requirement

Petplan 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.

No Extra Office Visit for Senior Pets

Petplan requires that pets older than 6 years of age have an exam within the first 30 days of the policy start date. Embrace only requires there be a physical examination in the 12-months preceding the policy purchase, or within the first 14 days of the policy start date – no matter the age of your pet.

More Time to Submit Claims

Petplan requires you to submit claims within 90 days of the office visit. Embrace gives you your entire policy term, plus 60 days after it renews to submit your claims.

More Payment Options

Petplan only accepts credit or debit cards which limits how you can pay. Embrace accepts payment via credit card, debit card, and directly from your checking or savings account.

24/7 Pet Help Line

Petplan does not give their policyholders access to veterinary experts 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 whiskerDocs to give our policyholders access to pet experts 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.

Information last updated April 2018. Petplan is underwritten by XL Specialty Insurance Company and AGCS Marine Insurance Company.