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Embrace vs. ASPCA Pet Health Insurance

Embrace and the ASPCA are two of the best pet insurance companies in America. Compare the two side-by-side using this handy chart.


Average Price	$31/mo. Get a Quote	$29/mo.
Overall Rating	★★★★★	★★★★
Customer Satisfaction	98%	86%
Total Reviews	10,380 reviews	4,604 reviews
Deductible	$100 - $1,000	$100 - $500
Reimbursement	65% - 90%	70% - 90%
Annual Limit	$5k - $15k	$5,000 - Unlimited
Company Profile	Embrace Overview	ASPCA Overview
Waiting Period for Accidents	2 days*	1 day
Waiting Period for Illnesses	14 days	14 days
Waiting Period for Orthopedic Coverage	6 mos.	14 days
Emergency Care	✔	✔
Accidents	✔	✔
Illnesses	✔	✔
Cancer Coverage	✔	✔
Orthopedic Issues	✔	✔
Hereditary Conditions	✔	✔
Chronic Conditions	✔	✔
Prescription Meds	✔	✔
Dental - Accidents	✔	✔
Cancer Coverage	✔	✔
Wellness Coverage	Optional	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

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.

Six weeks minimum. Must be enrolled prior to 14 to be eligible for major medical coverage, pets enrolled after 14th birthday are eligible for accident-only coverage

ASPCA Enrollment Requirements

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.

Eight 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 nine years old and greater, and cats 11 years old and greater at initial enrollment are not eligible for Continuing Care, which covers ongoing conditions.