We have a total of four dogs and we have three on Petplan, and the fourth one is on Embrace. The reason why we chose Embrace is that for older dogs, Petplan becomes effectively cost-prohibitive. Then I see from the way the digital tools are handled, even though Embrace is the less known name, their tools are better and easier to use. Petplan didn’t send emails when the actual claim was approved. The claims process itself was still manual. It was effectively filling out a PDF document and uploading, which was a pain in the neck. We had errors on the website. It just doesn’t look professional. Their digital tools need a serious upgrade. But generally, I’d recommend them. They pay promptly and their review process is relatively fair.
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