Compare Embrace to Petplan Pet Insurance

Pets signed up with Petplan Pet Insurance will be visiting the vet more often as Petplan Pet Insurance requires all pets have annual wellness visits. It's important to note that Petplan Pet Insurance doesn't offer a routine care plan, so you'll have to cover those expenses on your own.

Have more questions? Our Pet Insurance Advisors are here to help. Give us a call at (800) 779-1539 and we’ll walk you through it.


Select the pet insurance providers below to see how Embrace compares to other plans.

Plan Features
Preventative Care Plan
Medical Records Requirement 12 Months 24 Months
Diminishing Deductible
No Annual Wellness Visit Required
Window to Submit Claims Full Policy Term + 60 Days 90 Days from Office Visit
Direct Pay From Checking/Savings Account
No Annual Dental Exam Required
Waiting Periods 2 Days for Accidents 14 Days for Illnesses 15 Days for Accidents & Illnesses
Initial Vet Visit Requirement Within 12 Months Prior to Enrollment Within 6 Months Prior to Enrollment
Reimbursement Method Deductible then Copay Copay then Deductible
No Itemized Limit on Behavioral Coverage
Preventable Condition Coverage Included
Coverage for Racing & Guarding Activities
No Restrictions on International Disease
24/7 Pet Telehealth
No Claim Form Required When Submitting Through Online Account

16 Reasons to Consider Embrace over Petplan Pet Insurance

headshot of a happy Pitbull

1. Petplan Pet Insurance Doesn’t Offer a Wellness Plan

Petplan Pet Insurance covers only accidents and illnesses with no option for routine care reimbursement. Embrace promotes, rewards, and encourages healthy pets by offering Wellness Rewards, an optional non-insurance product that reimburses for everyday veterinary, grooming, and training costs.

Without the option of a wellness plan there are gaps in Petplan's policy. With Embrace there’s no doubt you have total protection in sickness AND in health.

2. Petplan Pet Insurance Requires Two Years of a Pet’s Medical History to Process Claims

That means they can deny a claim if something happened two years ago! Embrace only needs the last 12 months of records, or for new pets, records back to the first visit you’ve had with them.

Petplan Pet Insurance also requires a pet’s entire medical history in order to do a review to check for pre-existing conditions. Embrace offers an optional Medical History Review, but we only need 12 months of pre-policy medical records, or if your pet was a puppy or kitten or recently adopted, any visits you had with them prior to the policy start date. If your pet has any pre-existing conditions, this review will let you know how they could affect your coverage moving forward.

3. Embrace Offers the Industry’s Best Diminishing Deductible Feature

With Embrace’s Healthy Pet Deductible, your pet's annual deductible automatically goes down by $50 each year you don't receive a claim reimbursement. This is included with every policy at no extra charge.

4. Petplan Pet Insurance Requires Annual Vet Visits at Owner’s Expense

Petplan Pet Insurance requires all pets have an annual wellness visit in order to qualify for coverage. Since they do not offer any reimbursement for wellness exams, this is an out-of-pocket expense. While Embrace encourages you to see your vet annually (and reimburses for it with Wellness Rewards), there is absolutely no requirement.

5. Embrace Allows More Time to Submit Claims

Petplan Pet Insurance requires claims to be submitted within 90 days of the office visit. Embrace gives you your entire policy term, plus 60 days after it renews to submit your claims.

6. Embrace Offers More Payment Options

Petplan Pet Insurance only accepts credit or debit cards, which limits how the premium can be paid. Embrace accepts payment via credit card, debit card, and directly from your checking or savings account.

7. No Dental Exam Required with Embrace

In order to receive coverage for dental illness under Petplan Pet Insurance’s policy, pets must undergo an annual dental exam at the owner’s expense. Embrace’s dental illness coverage doesn’t require any sort of annual checkup.

8. Embrace Has Shorter Waiting Periods than Petplan Pet Insurance

Petplan Pet Insurance has a 15-day waiting period for accidents and injuries. Embrace has a 14-day waiting period for illnesses and only a two-day waiting period for accidents and injuries.

9. Embrace’s Initial Vet Visit Requirement is Less Restrictive

Petplan Pet Insurance requires that pets have a vet visit within 6 months of the policy start date. Embrace only requires that pets have a recorded vet visit on file within 12 months of the policy start date.

10. Embrace’s Reimbursement Method Gives More Money Back on Claims

Petplan Pet Insurance calculates claims differently than Embrace, subtracting the co-pay off the claimed amount first and then subtracting the deductible, which leads to 7-10% lower reimbursement for claims under $1,000. Embrace calculates claim reimbursements by first subtracting the deductible and then taking off the co-pay.

11. No Itemized Limitations on Behavioral Conditions with Embrace

Petplan Pet Insurance only covers behavioral conditions up to $1,000 per policy year, therapy, or medication, even if the issue was not present before the start of the policy. Embrace covers behavioral problems, consultations, therapy, and follow-up visits as long as the issue isn’t a pre-existing condition.

12. Petplan Pet Insurance Doesn’t Cover Preventable Conditions

Petplan Pet Insurance does not cover conditions that are preventable with vaccines or preventatives, including heartworm, fleas, internal parasites, and more. Embrace covers preventable conditions.

13. Embrace Covers Racing and Guarding Activities

Petplan Pet Insurance doesn’t cover injuries or illnesses a pet sustains while racing or guarding. As long as you let us know your pet is involved in these activities at the start of your plan, or when your pet becomes involved in one of these activities, Embrace will cover them.

14. PetPlan Pet Insurance Restricts Coverage for International Diseases

Petplan Pet Insurance will not cover any condition a pet can contract outside of the United States or Canada. Embrace does not have geographic limitations for illness coverage.

15. PetPlan Pet Insurance Doesn’t Offer a 24/7 Pet Health Line

PetPlan Pet Insurance does not give their policyholders access to pet professionals round-the-clock, so if you have questions about your pet’s behavior, diet, or a possible emergency, you’d have to wait for your vet’s regular business hours. Embrace has partnered with PawSupport to give our policyholders access to Pet Pros 24 hours a day, seven days a week – even on holidays. And the best part is that this feature is included with every policy at no extra cost.

16. Embrace Pet Insurance Doesn’t Require a Claim Form When You Submit Through MyEmbrace

When you submit a claim through MyEmbrace, Embrace doesn’t require a claim form – you simply fill in the questions online and send pictures of the invoice.