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.

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 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 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 - 10% (depending on state)
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: 14
Cats: 14
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+

Comparison information is provided using publicly available information as of 12/1/2018 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.