Pets older than 14 years old are not eligible for illness coverage with Embrace. With ASPCA Pet Health Insurance Complete CoverageSM, all dogs and cats over 8 weeks old are eligible for accident and illness coverage, regardless of age or health. Also, Complete CoverageSM covers prescription foods as standard, rather than as an optional add-on.

Example Monthly Cost*
Embrace Pet Insurance
Complete CoverageSM
$10,000 Annual Limit:
Custom Plan:

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 No
Illness Waiting Period 14 Days 14 Days
Accident Waiting Period None 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 some 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 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.

None Dogs: 15
Cats: 15
All Pets Eligible, Regardless of Health Yes Yes, in some states
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+