Embrace VS. Petplan Comparison

Petplan vs Embrace Comparison 2021

Pet owners nationwide appreciate the value of protecting their other “children” from various potential threats. While you can take precautionary steps to protect them from danger or harm, they’re not always in your sight. Being closer to the ground than us, they’re more exposed to bugs and germs

Our Review Method

While reviewing Petplan vs. Embrace, I mainly considered insurance plans, coverage options, and cost. I also kept an eye out for those hidden “escape clauses” that we often miss.

Overall Winner: Petplan

Petplan

Embrace

Coverage

4

3.5

Costs

4

4

Plans

4

4

Customer service

4.5

4

Overall Winner

4.125

3.875


Although the winner in this comparison of pet insurance providers has come out as Petplan, I’m not saying that Embrace isn’t good. Please read the entire article to decide which is best for your pet.

PetplanPetPlan comparation

Pro's

  • Pays up to 90% of costs for illnesses and injuries
  • A mobile app makes claiming simple
  • Networked throughout the United States and Canada
  • Primary coverage benefits plus customizable options
  • Insures all dog and cat breeds
  • No age restrictions

Con's

  • Routine care such as teeth cleaning or vaccinations not covered
  • No liability insurance

Now, let’s look at some other important criteria.

Coverage

Basic Coverage

  • Alternative therapies
  • Rehabilitation
  • Surgery
  • Injuries
  • Accidents
  • Veterinary exam fees
  • Diagnostic tests
  • Cancer treatments
  • Non-routine dental treatments
  • Prescription medication
  • Illness
  • Virtual vet visits
  • Acupuncture
  • Imaging and ultrasound
  • Hydrotherapy
  • Emergency and specialist vets
  • Chiropractic care

Optional Coverage

  • Vacation cancellation
  • Behavioral therapies
  • Loss due to theft or straying
  • Boarding kennel fees
  • Death from injury or illness
  • Reward and advertising

Not Covered

  • Cosmetic procedures
  • Liability coverage
  • Pre-existing conditions
  • Routine check-ups
  • Wellness care

Costs 

Dogs

  • Lameness cost: $966 - Insurance cost: $197
  • Allergies cost: $777 - Insurance cost: $178
  • Foreign body ingestion cost: $1,755 - Insurance cost: $276
  • Cruciate injuries cost: $3,480 - Insurance cost: $448
  • Neoplasia cost: $2,033 - Insurance cost: $304

Cats

  • Kidney disorders cost: $1,571 - Insurance cost: $389
  • Periodontal disease cost: $846 - Insurance cost: $185
  • Diabetes mellitus cost: $1,786 - Insurance cost: $369
  • Cystic calculi cost: $1,599 - Insurance cost: $379
  • Neoplasia cost: $2,033 - Insurance cost: $564
  • Hyperthyroidism cost: $838 - Insurance cost: $238

Customer service

  • Reliable pet insurance provider
  • Dedicated to helping pets throughout their life regardless of age
  • The mobile app makes it simple for you to claim
  • One of the world’s leading pet insurance providers
  • Visit any licensed vet in the United States or Canada
  • Chronic and hereditary conditions included
  • No signup fees, no add-ons

You may also like the following comparison: PetPlan VS Figo

    

Embrace

Embrace Pet Insurance Logo

Pro's

  • Coverage amounts are up to you
  • It lasts a lifetime unless you change the policy
  • Coverage for chronic conditions and alternative therapies
  • All breeds of cats and dogs accepted

Con's

  • Insurance does not become effective immediately
  • Only pets aged 14 or younger accepted

Let’s review some other pertinent parameters.

Coverage

Basic Coverage

  • Cancer
  • Chronic conditions
  • Exam fees
  • Behavioral therapy
  • Congenital conditions
  • Breed-specific conditions
  • Diagnostic testing
  • Genetic conditions
  • Surgery
  • Hospitalization
  • Dental illnesses

Optional Coverage

  • Prescription drug coverage
  • Alternative therapies

Not Covered

  • Pre-existing medical conditions or illnesses
  • Breeding or pregnancy
  • DNA testing or cloning
  • Stem cell therapy that isn’t considered medically necessary
  • Cosmetic procedures such as ear cropping, tail docking, or declawing unless a veterinarian considers it medically necessary
  • Injuries related to fighting, cruelty, neglect, or racing
  • Routine veterinary care procedures such as dental cleaning

Costs

Dog

  • Dog hit by car cost: $8,527 - Insurance cost: $1,303
  • Dysplasia cost: $4,580 - Insurance cost: $ $1,741
  • Grape intoxication cost: $1,658 - Insurance cost: $492
  • Cruciate ligament tear cost: $5,550 - Insurance cost: $1,590

Cat

  • Broken leg cost: $4,061 - Insurance cost: $1,194
  • Chronic GI problems cost: $3,103 - Insurance cost: $1,182
  • Foreign object interaction cost: $5,648 - Insurance cost: $1,290
  • Fibrosarcoma cost: $7,161 - Insurance cost: $1,752

Customer service 

  • Simple online signup process 
  • Good customer service reviews 
  • Great claim payment history

Specialties listed as “pet health insurance, cat insurance, pet insurance, dog insurance, pet actuary, and veterinary insurance”

You may also like the following comparison: Embrace VS HealthyPaws

Petplan vs. Embrace Comparison Chart

Service

Petplan

Embrace

Animals covered

Dogs and Cats

Dogs and Cats

Coverage type

Comprehensive

Comprehensive

Costs

  • $35/month for dogs

  • $25/month for cats

These prices are average and vary based on factors like breed and age

  • $30-$40/month for dogs
  • $15-$20/month for cats

These prices are average and vary based on factors like breed, age, and customization

Waiting periods

15 days for illnesses, accidents, and orthopaedic issues

14 days for illnesses

48 hours for accidents

6 months for orthopaedic issues

Network size

All veterinarians in the United States and Canada

More limited

Annual limits

No limit

$30,000

Deductibles

Deductibles can be anywhere from $200 to $2,500

$200, $300, $500, $750, or $1,000

Maximum pet age

None

14 years

Reimbursement amounts

Reimbursement ranges from 70% to 90% of the total veterinary bill

70%, 80%, or 90%

Customer service

1.888.682.1012, toll-free, 24 hours a day

Phone, mail, chat, and a 24/7 helpline

Additional services

Comprehensive dental protection

Coverage for alternative and holistic veterinarians

Our Honest Opinion about Petplan

My family recently brought a German shepherd puppy into our home—she’s now five months old. Through researching and writing this article, I’m convinced that we need to cover her through Petplan without delay. The resultant peace of mind is going to be worth every dollar.

Still Not Sure Which One to Choose?

If you’re still unsure which pet insurance is best for your loyal and loving companion (or “child”), please feel free to visit our pet insurance comparisons pages, where you can look for a better-suited provider.