ASPCA Pet Health Insurance vs. Embrace
All pet insurance plans exclude conditions that occur before coverage is effective. Unlike ASPCA Pet Health Insurance, Embrace may also exclude pre-existing behaviors, such as eating non-food items.
Also, Embrace does not cover "take home" drugs, which are those administered at home, unless a customer buys additional prescription drug coverage.
View a claim example to see how this works.
|Example Monthly Cost*|
|Reimbursement||Choice of 90%, 80% or 70% of
usual and customary covered costs
|Choice of 90%, 80% or 65% of covered vet costs, provided the charges are not in excess of typical costs in your geographic area.|
|Type of Deductible||Annual||Annual|
|Illness Waiting Period||30 Days||14 Days|
|Accident Waiting Period||None||14 Days|
|Hereditary and Congenital Coverage||Available||Available|
|Alternative Therapy Coverage||Included with two plans||Optional add-on|
|Behavioral Coverage||Available. Coverage includes consultations, diagnostics and prescriptions.||Coverage included for medical treatment of behavioral conditions, excluding consultations.|
|Coverage for Chronic Conditions||All levels come with Continuing Care to cover chronic conditions for eligible pets.||Included, according to the
terms of the base plan
|Multiple Pet Discount||10% for each additional pet||5% for each pet with two or more pets|
|Age Limits for Illness Coverage Enrollment
This is the age at which illness coverage is no longer available for new enrollments. Typically, a pet's plan won't be cancelled because of age.
|Mixed Breed Dogs: 9
Pure Breed Dogs: 7
Mixed Breed Cats: 11
Pure Breed Cats: 9
|Accident-Only Plan Available for All Pets||Yes||Yes|
|Wellness Coverage||Two wellness options: Routine Wellness costs $10 a month for $200 in annual benefits. Advanced Wellness costs $25 a month for $400 in annual benefits.||Two wellness options: Basic costs $14.95 a month for $200 in annual benefits; Plus costs $28.95 a month for $400 in annual benefits.|
|Money Back Guarantee||30 Days||30 days|
|Experience||The agency that provides ASPCA Pet Health Insurance was founded in 1997.||Embrace started
selling plans in 2006.
|Better Business Bureau Rating||A+||A+|
With ASPCA Pet Health Insurance, all of our plans reimburse you for prescription medications to treat covered conditions. Also, unlike Embrace, we don't require an exam before your pet's coverage can begin.
With ASPCA Pet Health Insurance, there's no limit to the number of accidents or illnesses we'll cover each year. This can make a big difference compared to a plan with an overall annual limit to total payouts.