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Embrace vs. Petplan Pet Insurance: Plans Compared

When you’re looking for a pet insurance policy for your dog or cat, there are many top pet insurance companies to choose from.

Embrace and Petplan are a great place to start as they are both top insurance providers with excellent coverage.

We took an in-depth review of both companies to see how Embrace and Petplan compare.

Embrace vs. Petplan: Coverage Comparison

embrace pet insurance

Embrace has very positive customer satisfaction ratings and reviews across multiple platforms.

Their plans are a bit on the higher side in terms of price, but this is offset by their covering many conditions and treatments that most other plans don’t, including prosthetics and behavioral therapy.

Alternative therapies are also offered standard. Embrace offers a good amount of annual deductible options, though its coverage is limited to $30,000 maximum in all states online except NY, where it’s $15,000.

Embrace also offers unlimited coverage in most states via phone enrollment.

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petplan logo

Petplan customers, on the other hand, also consider it an excellent insurance company.

The company’s comprehensive coverage is among the few which includes the veterinary exam fee (as long as it is not routine).  Petplan offers a lot of flexibility in their packages, so customers can customize these to fit their needs, up to unlimited coverage.

People who have older animals can also benefit, as it’s one of the few companies without an upper age limit for dogs.

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Coverage Compared

At first glance, Petplan’s lack of an upper limit on its benefits gives it an advantage over Embrace, as the latter tops out at $30,000 in all states online except NY, where it’s $15,000.  However, remember, Embrace does offer unlimited coverage in most states via phone enrollment.

Embrace’s standard plan covers the most typical accidents and illnesses, as well as alternative treatments such as prosthetics and behavioral therapy, which most insurers don’t typically include. Another unique coverage is the veterinarian pet exam.

All Embrace accident and illness policies include the same basic coverage, which can then be personalized to better fulfill your needs and remain within your budget. To this end, the company allows its customers to set their annual maximum, deductible, and reimbursement limits.

Embrace also offers an account called Wellness Rewards, which works much in the same way as a flexible spending account. This can give customers up to $650 a year, which can be put towards general wellness procedures or routine care, such as dental cleanings, nail trimmings, flea prevention, spaying, neutering, and regular visits.

Finally, Embrace’s alternative therapy coverage includes acupuncture, chiropractic care, physical therapy, hydrotherapy, and laser therapy.

Petplan also offers comprehensive coverage, for cats and dogs, including all accidents and illness’ with no restrictions on congenital conditions or heredity.

Their Coverage Includes:

  • Hospital Stays
  • Advanced Testing
  • Non-Routine Veterinary Exams
  • Dental Injuries
  • Periodontal Disease

Petplan does have an advantage over Embrace in the areas of dental care, in which injuries and periodontal disease are covered more comprehensively. However, with Embrace, all states except NY have dental illness coverage up to $1,000/year.

Petplan is great for those pets who are older, as there is no upper limit on age or any policy exclusions based on chronic or hereditary conditions. Embrace also covers pets for life as long as they are enrolled before age 14, and like Petplan, they do not have exclusions based on breed specific, chronic, or hereditary conditions. Both Petplan and Embrace cover hip dysplasia in every policy.

Petplan and Embrace both include coverage of all curable pre-existing conditions after a 365-day exclusionary period following the start date of the plan.

Benefit Limits Compared

When looking at benefit limits, Petplan has more flexibility in its benefits, even including up to an unlimited amount. Embrace has a $30,000 maximum in all states online except NY, where it’s $15,000, but they do offer unlimited coverage in most states via phone enrollment.

Petplan doesn’t offer unlimited coverage, but it allows some flexibility in choosing annual benefit limits. Customers can set their yearly limits at unlimited, or between $2,500 and $25,000.  Both companies stand out with their unique, no per condition limits or lifetime caps, guaranteeing that your pet will have coverage for the entirety of an illness or injury, even chronic conditions such as diabetes or even allergies.

You can choose the annual benefit limit that works best for you and your pet, but unlimited benefits are only offered in their more expensive plans. Remember to first thoroughly research your pet’s breed, as this can clarify which types of conditions it’s most susceptible to, and their average cost; thereby determining how high or low you can afford to set your benefit limits.

Deductibles Compared

Embrace and Petplan both offer an annual deductible, but Petplan stands out by allowing you to choose between deductibles that are annual or per condition.

Embrace gives its customers a high degree of flexibility with its range of deductible amounts between $200 and $1000 allowing them to build a policy that fits their budget.

The Healthy Pet Deductible program at Embrace can also help customers save, particularly with younger pets, by decreasing the deductible $50 for every year they don’t receive a reimbursement. To pay less every month for your premium, the higher your deductible should be, as is the case with most insurance policies.

Petplan’s policy of allowing customers to choose whether they apply their deductible annually, or per condition is very unique. Just as Embrace, Petplan customers can select their deductible. This can start from $100 and increase to $2,500; increasing in $50 increments.

The per condition plan essentially means if your dog or cat has more than two vet visits for the same issue within one policy year, you’ll only pay your deductible once, even if you filed three claims for the exact same condition. Pet owners with animals with serious injuries or illnesses such as cancer can benefit hugely from this type of deductible.

Petplan’s annual deductible type follows the classic insurance model, in which higher deductibles translate into lower monthly premiums.

Reimbursement Compared

Man and Dog watching sunsetEmbrace and Petplan both offer flexibility in their reimbursement levels.

For its part, Embrace offers policies that are amongst the most customizable on the market, covering between 70% and 90% of their customer’s vet bills. For lower monthly premiums, remember to choose a lower reimbursement package. Another area in which Embrace is quite flexible is in its Wellness program and its three different yearly allowance options ($250, $450, or $650).

Similarly, Petplan also functions on a percentage basis, paying some of your vet bill (70%, 80%, or 90%) once you’ve met your deductible. Premiums are higher or lower depending on the reimbursement level.

With both Embrace and Petplan, you are reimbursed on the actual veterinary bill which is always the preferred choice.

Pricing Compared

Though Embrace and Petplan are both reasonably priced, let’s take a look at how they differ.

Embrace’s premiums are much in keeping with those of other pet insurance providers in the case of a younger pet with few to no conditions but can get more expensive as the pet ages. Thanks to its wide range of available options, though, the company’s policies are more customizable–and customers can keep therefore keep their premiums lower.

Spayed or neutered pets in NY can get a modest 5% discount, as well as multi-pet policies (10% in all states except NY, where it’s 5%). Pet parents who pay annual lump sums will save $12 in monthly billing fees, and military pet parents receive a 5% discount in most states.

Monthly premiums begin at $13.04 for dogs and $8.98 for cats.

Petplan also offers pricing that is competitive with comparable insurers but also offers some discounts for things such as:

  • Registering Online
  • Military Personnel
  • Medical Service Pets

The average starting premium for dogs is $29 and for cats $18.

Both companies offer a wag-worthy 10% discount for veterinary professionals in most states.

Claims and Service Compared

Embrace and Petplan both handle claims professionally and quickly.

Some of the best reviews for Embrace are for their customer service, with the majority of online feedback reading very positive. Customers are quick to mention their satisfaction with the company’s fast reimbursement times.

Another salient point in Embrace customer reviews is the ease with which they handle claims. These can be uploaded via the company’s online customer account service, MyEmbrace, which also allows customers to check the status of their claims.

Wellness claims process quickly in 5 business days, and illness or accident claims usually take a bit longer, at 10-15 days. Of course, these times are approximate, and follow the submission of all the necessary information.

Finally, Embrace also offers unlimited access to a complimentary service called PawSupport, a 24/7/365 pet hotline with real veterinary experts online for instant, real-time access.

On the other hand, Petplan is one of the very few pet insurers that gives a specific claims payout timeframe of thirty days. Though payouts can be quicker at between 5-14 days, given the immediate acceptance of the claim, 30 days is the longest timeframe mentioned.

Enrollment and Waiting Periods Compared

Embrace and Petplan have similar waiting periods, but with Petplan, you can enroll a pet at any age.

Embrace’s waiting periods are 2 days for accidents and 14 days for illnesses.

Pets can be enrolled as young as 6 weeks, and as old as 14 years. Though the company does have a six-month waiting period for orthopedic dogs, Embrace does have an option that can reduce that to as few as 14 days.

Petplan also enrolls pets as young as six weeks–but unlike most other insurers, they do not have an age limit, so older pets can also gain coverage.

In keeping with most insurer policies, Petplan requires a 15-day waiting period for illnesses, though accident coverage begins after just five days of enrollment. They do not require medical records.

Embrace and Petplan are both excellent pet insurance companies. Take a look for yourself to see if either is the right fit for you at Embrace Paws or Petplan.

If you would like to see some other top-notch providers, make sure to take a look at our top 10 pet insurance companies of 2020 or view our simple comparison tables for a quick overview.

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