Key Differences
Embrace has a shorter accident and illness waiting period, the ASPCA Pet Health Insurance Program has a shorter orthopedic waiting period.
Embrace has a one-time enrollment fee, but the ASPCA Pet Health Insurance Program does not.
Embrace has the option to select an unlimited annual limit, while the ASPCA Pet Health Insurance Program has a maximum annual limit of $10,000.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Embrace and ASPCA® Pet Health Insurance program offer.
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 |
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|---|---|---|
Price: |
Get a Quote | Get a Quote |
Overall Rating: |
|
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Total Reviews: |
67,770 |
7,959 |
Deductible: |
$100 to $1,000 |
$100, $250, or $500* |
Reimbursement: |
70%, 80%, or 90% |
70%, 80%, or 90% |
Annual Limit: |
$2,000 to Unlimited |
$2,500 to Unlimited* |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
0 days |
14 days |
Illness Waiting Period: |
14 days |
14 days |
Wellness Waiting Period: |
0 days |
N/A |
Orthopedic Waiting Period: |
Varies by state |
14 days |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Excluded |
Dental Coverage: |
Included |
Limited Coverage |
Exam Fee Coverage: |
Available |
Yes |
Direct Vet Pay: |
Available |
No |
Claims Expiration: |
Within 60 days of renewal to the next term |
Within 270 days of treatment |
Claims Submission App: |
Yes |
Yes |
Embrace Accident and Illness Coverage
Embrace offers accident and illness coverage for dogs and cats. You can customize this coverage to fit your needs and budget.
Deductible Options
$100, $250, $500, $750, or $1,000
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$2,000, $5,000, $10,000, $15,000, $30,000 or Unlimited Annual Limit
What's Covered
Accidents
Breed-specific conditions
Congenital conditions
Chronic conditions
Dental illnesses
Diagnostics
Emergency care
Genetic conditions
Hospitalization
Illnesses
Orthopedic conditions
Prescription medication
Specialist care
Surgery
X-rays
Optional Wellness Rewards
Embrace also offers a non-insurance, optional add-on benefit called Wellness Rewards. Pet parents are reimbursed 100% up to the selected annual allowance. There are three annual allowances: $300, $500, and $700. You can use this wellness allowance for any of the eligible items, including:
Routine exams and vaccinations
Flea, tick, and heartworm medications
Preventative surgery, such as spaying, neutering, and gastropexy
Prescription diet food
Grooming and training
The ASPCA® Pet Health Insurance program Accident and Illness Coverage
The accident and illness coverage from the ASPCA® Pet Health Insurance program, Complete Coverage, may provide coverage for unexpected health issues your dog or cat may encounter. You can customize this coverage to fit your needs and budget.
Deductible Options*
$100, $250, or $500
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options*
$2,500 to Unlimited
What’s Covered
Accidents
Alternative Therapy
Behavioral Issues
Behavioral Therapy
Cancer Coverage
Chronic Conditions
Dental Care (Accidents & Illnesses)**
Emergency Care
Exam Fees
Hereditary Conditions
Illnesses
Prosthetic Devices and Wheelchairs
Prescription Medications
Orthopedic Issues
*More deductible and annual limit options are available. You can contact the ASPCA® Pet Health Insurance program's customer care team to get an annual limit and deductible that works best for your individual needs.
**Coverage is included for tooth extractions resulting from covered accidents or illnesses. Routine dental cleanings and major procedures like root canals or crowns are not included in the base plan. Routine dental cleaning coverage is available with the Preventative Care Coverage add-on.
Preventative Care Coverage
The ASPCA® Pet Health Insurance program provides two levels of an optional preventative coverage add-on, Basic and Prime:
Basic Preventative Care Coverage
Dental Cleaning
Routine Exam
DHLPP Vaccine/Titer or Feline FVRCP Vaccine/Titer
Rabies and/or Canine Lyme or Feline FIP Vaccine/Titer
Fecal Test
Heartworm or Feline FELV Test
Deworming
Prime Preventative Care Coverage
Dental Cleaning OR Spay/Neuter
Routine Exam
DHLPP Vaccine/Titer or Feline FVRCP Vaccine/Titer
Rabies and/or Canine Lyme or Feline FIP Vaccine/Titer
Fecal Test
Heartworm or Feline FELV Test
Deworming
Flea/Heartworm Prevention
Blood Test
Urinalysis
Bordetella or FELV Vaccine/Titer
Health Certificate
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for Embrace and ASPCA® Pet Health Insurance program.
Embrace Claims Details
You can use Embrace’s website or app to submit your claims directly. Alternatively, you can also fax, mail, or email your claim form with the invoice(s) within 60 days of renewal to the next term.
Direct deposit option for receiving reimbursements
Trackable claim status using the app
Claims are processed in 10-15 business days
View an Embrace Pet Insurance sample policy.
ASPCA® Pet Health Insurance program Claims Details
The ASPCA® Pet Health Insurance program has an app you can use to submit your claims directly. Alternatively, you can fax, mail, or email your claim form with invoice(s) within 270 days of treatment.
Quick claims process with an easy-to-use app
Trackable claim status using the app
Direct deposit option for receiving reimbursements
Our Embrace vs. ASPCA® Pet Health Insurance program Review
The ASPCA Pet Health Insurance Program and Embrace Pet Insurance provide comprehensive coverage for accidents, illnesses, and various health issues like cancer and breed-specific conditions. Both companies also offer optional wellness coverage add-ons to their base plans.
You can configure plans based on your pet's needs and budget with the ASPCA Pet Health Insurance Program and Embrace. But there are some differences in customization to note, like deductible and annual limit options. Overall, both insurers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
