Compare Embrace to Petplan

When comparing Petplan's pet insurance coverage to Embrace, the difference is in the details. In the pet insurance comparison chart below, you’ll find important policy factors to consider when deciding if Petplan is right for you. If you’re looking for additional information on Petplan Pet Insurance, you can find a more comprehensive explanation of these features below the chart.


Plan Features Embrace Pet Insurance Logo Petplan Pet Insurance
Optional Routine Care Plan Yes No
One Comprehensive Policy Yes No
Medical History 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 Your Checking/Savings Account Yes No

Important Facts about Petplan Pet Insurance That Could Affect Your Pet's Coverage

Pets signed up with Petplan will be visiting the vet more often as Petplan 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 thatPetplan doesn't offer a routine care plan, so you'll have to cover those expenses on your own. In addition, Petplan doesn't offer behavioral coverage on their Basic plan so you'll want to be careful of which plan you choose.

8 Reasons to Consider Embrace over Petplan

1. 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.

2. 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.

3. 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.

4. 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.

5. 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.

6. 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.

7. 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.

8. 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.

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