When comparing pet insurance providers, it’s important to consider experience. Embrace pet insurance began selling plans in 2006, while the agency that provides ASPCA Pet Health Insurance was founded in 1997. Also look closely at coverage differences. For instance, Embrace only covers prescription medications and microchipping if you purchase an optional add-on. Both are included for covered conditions with the ASPCA Pet Health Insurance Complete CoverageSM plan.

ASPCA® Pet Health Insurance Embrace Pet Insurance
Reimbursement Choice of 90%, 80% or
70% of covered vet costs
Choice of 90%, 80% or 70% of covered vet costs
Type of Deductible Annual Annual
Unlimited Plan Available Yes Yes
Illness Waiting Period 14 Days 14 Days
Accident Waiting Period 14 Days 2 Days
Preventive Care Optional add-on Optional add-on
Coverage Includes:
Exam Fees Yes Yes
Lab Tests, X-rays, Hospitalization, Surgery, Diagnostics, etc. Yes Yes
Prescription Medications Yes Yes
Hereditary and Congenital Conditions Yes Yes
Alternative Therapies Yes Yes
Behavioral Issues Yes Yes
Dental Illnesses Yes Yes, in most states
Chronic Conditions Yes Yes
Specialists Yes Yes
Stem Cell Treatments Yes Yes
Prescription Food & Supplements
To treat a covered condition (not for general maintenance or weight management)
Yes Optional add-on
Microchip Yes Optional add-on
No Vaccination Requirements for Coverage of Certain Conditions Yes Yes, as long as veterinarian’s vaccine recommendations are followed
Multiple Pet Discount 10% for each additional pet 10% for each additional pet
Upper 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.

None Dogs: 14
Cats: 14
All Pets Eligible, Regardless of Health Yes Yes
Accident-Only Plan Available for All Pets Yes Yes
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+

Embrace Pet Insurance Plan Comparison

Deciding on the best pet insurance provider for you and your pet is a personal decision. But understanding the differences between plans can help you make the right choice. Embrace and the ASPCA® Pet Insurance program differ in key areas including amount of experience and how they handle certain types of coverage.


One factor to consider when you compare different pet insurance providers is experience, which can be measured by how long they have been in business. The agency that provides ASPCA® Pet Insurance began offering pet insurance plans in 1997. Embrace entered the pet insurance market in 2006.

Prescription Food and Supplements

Your veterinarian may recommend prescription food, which is specifically formulated for particular health conditions, such as digestive, joint, or kidney issues. They may also suggest supplements to promote their health. For instance, glucosamine may benefit pets with arthritis and Omega-3 fatty acids can help pets with cognitive disorders.

ASPCA® Pet Health Insurance plans include coverage for prescription food and supplements to treat a covered condition (not for general maintenance or weight management). Embrace offers this coverage as an optional add-on, so you’ll need to add it to your plan at an extra cost.


Microchipping is one of the best ways to help ensure your pet is returned home. It can’t fall off like a collar and tag. Plus, it allows someone with a microchip reader to access your contact information as long as you keep it up-to-date with your microchip registry service. ASPCA® Pet Health Insurance plans include coverage for implanting a microchip. With Embrace, you will need to purchase it as an optional add-on.


With Embrace pet insurance, you must follow your veterinarian’s vaccine recommendations to be eligible for coverage. ASPCA® Pet Health Insurance plans do not have any vaccine requirements for eligibility. We believe all of your pet’s medical decisions should be left to you and your veterinarian.

Upper Age Limits

Pet insurance can be useful for older pets who may be more prone to accidents or illnesses as they age. ASPCA® Pet Health Insurance plans do not have any upper age limits for new enrollments. Embrace limits their new enrollments to dogs and cats under the age of 14 years old.

Multiple Pet Discount

ASPCA® Pet Health Insurance plans offer a 10% discount on multiple pets. Embrace has a 10% discount in some states, but a 5% discount in others. If you’re looking to insure multiple pets or you think you might add a new pet to your family in the future, you will need to check the Embrace multiple pet discount for your state.

*We offer a 30-day money back guarantee if no claims are filed. Not available in NY.

Comparison information is provided using publicly available information as of 2/1/21 and is only meant to summarize program features, not a specific plan.

Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing socialmedia@cfinspet.com or mailing Marketing Department 1208 Massillon Road, Suite G 200, Akron OH 44306.