Petplan vs. Embrace

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).

Petplan: Yes

Petplan pet health insurance 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.

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.

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.

Petplan: Yes

Prescription medications are covered as standard.

Embrace: No

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

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.

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).