Embrace Pet Insurance vs. ASPCA
Embrace and ASPCA have gained the trust of many pet parents with their competitive prices and excellent coverage. Both companies offer a customizable plan that’s tailored to meet your pet’s needs and your budget. But with the range of coverage options, which company has the best offering for your pet? A comparative review of these two trusted brands should help you choose.
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| Price: | Get a Quote | Get a Quote |
|---|---|---|
| Overall Rating: | ||
| Total Reviews: | 10,400 | 6,145 |
| Deductible: | $100 - $1,000 | $100, $250, or $500 |
| Reimbursement: | 70%, 80%, or 90% | 70% - 90% |
| Annual Limit: | $5,000 - Unlimited | $2,500 - $10,000 |
| Company Profile: | Company Overview | Company Overview |
| Waiting Period for Accidents: | 0 days | 15 days |
| Waiting Period for Illnesses: | 14 days | 15 days |
| Waiting Period for Orthopedic Coverage: | Orthopedic conditions have additional waiting or exclusion periods that vary by state. | 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: | None | None |
Comparative Review
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.
Embrace and ASPCA have gained the trust of many pet parents with their competitive prices and excellent coverage. Both companies offer a customizable plan that’s tailored to meet your pet’s needs and your budget. But with the range of coverage options, which company has the best offering for your pet? A comparative review of these two trusted brands should help you choose.
Embrace Pet Insurance Review
As one of the most customizable pet insurance offerings currently on the market, Embrace gives you plenty of options for choosing your ideal coverage plan. In addition to choosing the coverage you desire, you can also adjust your preferred annual maximum, deductible, and reimbursement percentage.
- View the Embrace general overview
- Deductible: $200 – $1,000
- Reimbursement: 70%–90%
- Emergency Care: Included
- Waiting period for accidents: None
- Waiting period for illnesses: 14 days
ASPCA Pet Health Insurance Review
The ASPCA pet insurance brand has decades of experience in the pet insurance industry. With the ability to visit any vet in the United States or Canada without having to worry about out-of-network fees, a 30-day money-back guarantee, and excellent customer service, ASPCA has earned an A rating by A.M. Best.
- View the ASPCA general overview
- Deductible: $150 – $500
- Reimbursement: 70%–90%
- Emergency Care: Included
- Waiting period for accidents: 14 days
- Waiting period for illnesses: 14 days
Coverage Comparison
Both pet health insurance providers offer plans that you can customize to suit your pet’s needs and your budget. Embrace and ASPCA include key coverage for a range of health issues like orthopedic diseases, cancer, chronic and hereditary conditions. They also cover prescription medications in their plans.
Price Comparison
In terms of cost, both insurers offer competitive value. Expect to pay higher premiums for high-coverage plans compared to basic plans. If you are in the military or you’re planning to insure more than one pet, Embrace sweetens the deal with a 5% military discount or 10% multi-pet insurance plans.
Aside from this comparative review, getting a quote from both companies is the best way to make an informed decision on which insurer offers a more suitable plan for your pet. Get your free pet health insurance quote.
Compare Embrace
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Compare ASPCA
- ASPCA vs. FIGO
- ASPCA vs. Healthy Paws
- ASPCA vs. Nationwide
- ASPCA vs. Petco
- ASPCA vs. Fetch Pet Insurance
- ASPCA vs. Pets Best
- ASPCA vs. Trupanion
Related Content
Embrace Pet Insurance Enrollment Requirements
- There is a $25 enrollment fee.
- The maximum enrollment age for full accident and illness coverage is 14 years old.
- Pets older than 15 are eligible for an accident-only policy.
- The minimum age for enrollment is six weeks.
- Pets must be examined by a licensed veterinarian 12 months before the policy start date. If there is no noted exam before 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 days.
Other Provisions
- There is a defined appeal process for claims.
- Reimbursement method: direct deposit or check.
- Prescription medications are included with all accident and illness policies.
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There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional waiting or exclusion periods that vary by state
*Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. Wellness Rewards is not available in Rhode Island.
ASPCA Pet Insurance Enrollment Requirements
Enrollment Exam Requirements: There are no enrollment exam requirements.