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.

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.

View a claim example to see how this works.

Example Monthly Cost**
ASPCA Pet Health Insurance Embrace Pet Insurance
Level 2:
Custom Plan:
ASPCA Pet Health InsuranceEmbrace Pet Insurance
Reimbursement Choice of 90%, 80% or 70% of
usual and customary covered costs
Choice of 90%, 80%, 70% or 65% of covered vet costs.
Type of Deductible Annual Annual
Illness Waiting Period 30 Days 14 Days
Accident Waiting Period None 2 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.

Dogs: 13
Cats: 15
Dogs: 14
Cats: 14
Accident-Only Plan Available for All Pets Yes Yes
Wellness Coverage Available Available
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+