• petplan vs. embrace pet  
         insurance comparison

  • pet-insurance-comparison-guide/petplan-vs-embrace
Compare Petplan to Embrace Pet Insurance below! 

Is the company rated 9 or above by pet parents in independent reviews on PetInsuranceReview.com?

Petplan: Yes

  • Petplan is consistently rated among the top by pet parents for customer satisfaction. Current Rating: 9.2 out of 10 (3,357 total reviews - April 6, 2017). 

Embrace: Yes

  • Current Rating: 9.2 out of 10 (5,818 total reviews - April 6, 2017).

Are hereditary and congenital conditions covered as standard on all policies, without additional riders or surcharges?

Petplan: Yes

  • Petplan policies include coverage for hereditary and congenital conditions as standard with no riders or surcharges. 

Embrace: No

  • Hereditary and congenital conditions are not covered on the accident plan.

Are all chronic conditions covered as standard without maximum payout limits?

Petplan: Yes

  • Chronic conditions are covered if they are not pre-existing and have not occurred during the waiting period. 

Embrace: Yes

  • Chronic conditions are covered as standard with no maximum lifetime payout limit. 

Are all alternative and holistic therapies covered as standard?

Petplan: Yes

  • Petplan covers all alternative and holistic therapies as standard, provided these treatments are performed by a licensed veterinarian. 

Embrace: Yes

  • Alternative and holistic therapies are covered as standard, provided these treatments are performed by a licensed veterinarian. 

Are prescription medications covered?

Petplan: Yes

  • Prescription medications are covered as standard. 

Embrace: No

  • Optional coverage for prescription medications is available for an additional charge.

Does the policy cover my pet's veterinary accident or illness exam fee?

Petplan: Yes

  • Vet exam fees are covered by Petplan policies, including exams performed by specialized vets. 

Embrace: Yes

  • Vet exam fees are covered by Embrace policies.


Is the company's underwriter rated?

Petplan: Yes

  • Petplan insurance policies are administered by Fetch Insurance Services, LLC (Fetch Insurance Agency, LLC in Michigan), d/b/a Petplan (Petplan Insurance Agency, LLC in California) and issued by XL Specialty Insurance Company, a member of XL Catlin (rated A+ S&P), and AGCS Marine Insurance Company, a member of the Allianz Group, (rated A+ A.M. Best). 


Embrace: Yes

  • Embrace pet insurance policies are underwritten by American Modern Insurance Group (A+ Superior rated by A.M. Best as of January 23, 2012). 

policies by AGCS Marine Insurance Company, an Allianz company

  • claim calculator
    claim calculator
  • How much could you claim with Petplan?

    Just change the information below to see how much you could claim.
    • Your plan
    • Your deductible
    • Your reimbursement
    • Your vet costs $
    • Your share of the costs:
      $000.00
    • Petplan's reimbursement to you:
      $000.00
    • Coverage remaining in policy period:
      $000.00
  • (full policy limits are reinstated upon renewal)