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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.



Embrace Pet Insurance

ASPCA Pet Insurance
Average Price
$40 - 68/mo.
$25 - 54/mo.
A.M. Best Rating A+ A
BBB Rating A+ A+
Customer Satisfaction 92% NA
Total Reviews 8,525 reviews NA
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
Cancer Coverage
Orthopedic Issues
Hereditary Conditions
Chronic Conditions
Prescription Meds For additional cost
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.

Protect your pet today





Common Pet Health Problems


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