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Petplan vs. Embrace Pet Insurance

Petplan and Embrace are two of the best pet insurance companies in America. Learn More


Petplan Pet Insurance

Embrace Pet Insurance

Average Price
$28 - 57/mo.
$40 - 68/mo.
A.M. Best Rating A A+
BBB Rating A+ A+
Customer Satisfaction 88% 92%
Total Reviews 5,484 reviews 8,525 reviews
Deductible $100 - 1,000
$100 - 1,000
Reimbursement 70 - 90%
65 - 90%
Annual Limit $2,500 - Unlimited $5,000 - 15,000
Company Profile Petplan Overview Embrace Overview
Waiting Period for Accidents 5 days 2 days*
Waiting Period for Illnesses 15 days 14 days
Waiting Period for Orthopedic Coverage 6 mos.
6 mos.
Emergency Care
Cancer Coverage
Orthopedic Issues
Hereditary Conditions
Chronic Conditions
Prescription Meds For additional cost
Dental - Accidents
Cancer Coverage
Wellness Coverage
X Optional
Vet Restrictions None None


Pet insurance does not cover pre-existing conditions

*Most states have a 2-day waiting period, some are 14 days

Petplan Enrollment Requirements

All pets are required to have a veterinary exam 60 days prior to policy inception or within 30 days of policy inception.

Embrace Enrollment Requirements

Your Pet must have been examined by a Veterinarian in the twelve (12) months prior to the Original Start Date for your Pet(s) as shown on the Schedule Page(s) or within fourteen (14) days after the Original Start Date.


The biggest difference between Petplan and Embrace is that Embrace offers more customized options including wellness care. Petplan does not have the option to cover wellness or routine care.

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Pet insurance pays up to 90% for veterinary treatment when your dog or cat gets sick or injured.

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