petplan vs. embrace pet insurance comparison

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).