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Embrace vs. ASPCA Pet Insurance


Embrace and the ASPCA are two of the best pet insurance companies in America.

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Embrace Pet Insurance

ASPCA Pet Insurance

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★★★★★ ★★★
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Deductible $100, 200, 300, 500 or 1,000 $100, 250 or $500
Reimbursement 65, 80 or 90% 70, 80 or 90%
Annual Limit Up to $15,000
$5k to Unlimited
Wellness Yes, for additional charge Yes, for additional charge
Pre-Existing Conditions No No
Waiting Period for Accidents 14 days 1 day
Waiting Period for Illnesses 14 days 14 days
Orthopedic Coverage 6 months for orthopedic issues however 14 day waiver is available 14 days
Hereditary & Genetic Conditions No restrictions No restrictions
Chronic Conditions Yes Yes
Prescription Meds Yes Yes
Dental Accidents only Accidents only
Cancer Coverage Yes Yes
Pets Age 6 weeks minimum, 8 years (mixed breed dogs), 6 years (purebreed dogs), 10 years (mixed breed cats), 8 years (purebreed cats). 8 weeks minimum, For illness coverage 12 years-old for dogs, 14 years-old for cats; No upper age limit for accident only coverage, dogs who are 9 years old and greater, and cats 11 years old and greater at initial enrollment are not eligible for Continuing Care, which covers ongoing conditions.
Enrollment 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. Must agree to terms and conditions prior to enrollment. May ask for veterinary records to clarify health issues. Must acknowledge that pre-existing conditions are not covered.

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