Compare Embrace to Petplan Pet Insurance

Pets signed up with Petplan Pet Insurance will be visiting the vet more often as Petplan Pet Insurance requires all pets have annual wellness visits and pets 6 years and older have an exam within the first 30 days of the policy. It's important to note that Petplan Pet Insurance doesn't offer a routine care plan, so you'll have to cover those expenses on your own. In addition, Petplan Pet Insurance doesn't offer behavioral coverage on their Basic plan so you'll want to be careful of which plan you choose. 

 

Plan Features Embrace Pet Insurance Logo Petplan Pet Insurance
Flexible Routine Care Plan Yes No
One Comprehensive Policy Yes No
Medical Records Requirement 12 Months 24 Months
Diminishing Deductible Feature Yes No
No Annual Vet Visit Requirement Yes No
No Extra Office Visits for Senior Pets Yes No
Window to Submit Claims Full Policy Term + 60 Days 90 Days from Office Visit
Direct Pay from Checking/Savings Account Yes No
No Annual Dental Exam Requirement  Yes No
Waiting Periods2 Days for Accidents
14 Days for Illnesses
5 Days for Accidents 
15 Days for Illnesses
Initial Vet Visit RequirementWithin 12 Months of Enrollment Within 60 Days of Enrollment
Reimbursement MethodCopay then Deductible  Deductible then Copay
No Itemized Limit on Behavioral CoverageYes No
Coverage for Preventable ConditionsYes No
Coverage for Working, Racing, & Guarding Activities Yes No
No Restrictions on International DiseaseYes No
24/7 Pet Health LineYes No

17 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 Figo’s policy. With Embrace there’s no doubt that you have total protection in sickness AND in health.

2. Embrace Offers One Comprehensive Policy

Petplan Pet Insurance allows a personalized deductible, maximum, and reimbursement percentage, but their Basic plan excludes behavioral coverage. It can be difficult to find what’s best for furry friends when plans offer different coverage. Embrace offers one simple yet comprehensive policy that covers every unexpected accident and illness and all treatment plan options.

3. 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.

4. 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.

5. 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.

6. Embrace Doesn’t Require Extra Office Visits for Senior Pets

Petplan Pet Insurance 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.

7. 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.

8. 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.

9. 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.

10. Embrace Has Shorter Waiting Periods than Petplan Pet Insurance

Petplan Pet Insurance has a 15-day illness waiting period and a 5-day 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.

11. Embrace’s Initial Vet Visit Requirement is Less Restrictive

Petplan Pet Insurance requires that pets have a vet visit within 60 days 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 regardless of age.

12. 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.

13. 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.

14. 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.

15. Embrace Covers Working, Racing, and Guarding Activities

Petplan Pet Insurance doesn’t cover injury or illness that a pet sustains while racing, serving with law enforcement, 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.

16. 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.

17. 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. 

Mind if we pay your vet bills?