Compare Embrace Pet Insurance vs ASPCA Pet Health Insurance Plans

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

Embrace Pet InsuranceASPCA Pet Health Insurance
Price:Get a Quote Get a Quote
Overall Rating:
Total Reviews:11,2146,504
Deductible:$200 - $1,000$100 - $500
Reimbursement:70 - 90%70% - 90%
Annual Limit:$5,000 - $30,000$5,000 - Unlimited
Company Profile:Company Overview Company Overview
Waiting Period for Accidents:2 days*1 day
Waiting Period for Illnesses:14 days15 days
Waiting Period for Orthopedic Coverage:6 months**15 days
Emergency Care: Included Included
Accidents: Included Included
Illnesses: Included Included
Cancer Coverage: Included Included
Orthopedic Issues: Included Included
Hereditary Conditions: Included Included
Chronic Conditions: Included Included
Prescription Meds: Included Included
Wellness Coverage: Optional Optional
Vet Restrictions:NoneNone

Note: No pet insurance company covers pre-existing conditions.

Embrace Pet Insurance Enrollment Requirements

  • Maximum age for enrollment in full accident & illness coverage is 14 years
  • Pets older than 15 are eligible for an accident-only policy
  • Minimum age for enrollment is six weeks
  • Pets must have been examined by a licensed veterinarian in the 12 months prior to the policy start date. If there is no noted exam prior to the policy start date, an exam is required within the first 14 days of the policy.
  • Pet parents can cancel policies immediately over the phone with no penalty
  • Claims must be submitted within the policy year plus 60 day

Other Provisions

  • There is a defined appeal process for claims
  • Reimbursement method: Direct deposit or check
  • Prescription medications: Included with all accident and illness policies
  • There is a 14-day waiting period for illnesses
  • * There is a 2-day waiting period for accidents in most states
  • ** There is a 6-month waiting period for orthopedic conditions for dogs only. This can be reduced by following Embrace‚Äôs Orthopedic Exam and Waiver Process

ASPCA Pet Health Insurance Enrollment Requirements

There are no enrollment requirements. However, when you submit a claim, you authorize us and our administrator to access all medical information that we need to assess your pet’s health. For example, we may ask you for the name and contact information of any veterinarian that has ever seen or treated your pet. You must also provide proof of identity for your pet when we request.


Embrace and ASPCA Pet Health Insurance are two of the most trusted brands in the American pet insurance industry. In fact, the leaders of each company were part of the founding team of the North American Pet Health Insurance Association and still maintain leadership roles to this day.

In addition to decades of experience, both companies offer a ton of coverage options from accident-only to wellness care plans and everything in between.


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