Compare Embrace to ASPCA Pet Health Insurance
When it comes to being a pet insurance expert, the difference is in the details. To help you, we've prepared a list of the most important comparison points between Embrace and ASPCA Pet Health Insurance. We understand purchasing pet insurance is an investment in time and money.
Per-Incident Limitations
An incident is a specific accident or illness and per-incident limits restrict the overall amount you can be reimbursed. ASPCA Pet Health Insurance has per-incident limits. Embrace limits you per year, not per incident. Most Embrace policies purchased include a $10,000 annual limit. ASPCA per-incident limits are set between $2,500 and $7,000 depending on what level plan you choose.
Hereditary & Genetic Condition Coverage
Embrace covers genetic conditions (conditions such as hip dysplasia that your pet may be prone too) in full up to your annual maximum. Hereditary and genetic conditions can lie dormant for years and when they do show signs they can cost thousands of dollars to treat. ASPCA Pet Health Insurance places per incident & lifetime limits by plan: Level 2 offers no genetic coverage, Level 3 has a $500 incident max/$1,250 lifetime max, and Level 4 has a $1,000 incident max, $2,500 lifetime.
Continuing Care
There's more to pet insurance than just your premium. When purchasing a policy you have to ask yourself are you protected for the long term. Chronic conditions such as diabetes, cancer, or allergies can require care year after year. An Embrace plan places no extra limits on continuing care. You have your entire annual maximum to spend each year however the needs of your pet arise. With ASPCA Pet Health Insurance continuing care is maxed out per incident and for each's pet lifetime depending on the plan level you choose. For example, their level 3 plan has a $1,500 max per incident, and caps lifetime payout at $3,500. If your pet requires ongoing care like Tey-Tey did, you may find yourself exceeding these limits.
Alternative Therapies
Embrace plans cover alternative therapies and rehabilitation standard with no extra restrictions on reimbursement. ASPCA Pet Health Insurance limits reimbursement on alternative therapy by plan: Level 2 offers no coverage, level 3 provides $150/yr, and level 4 provides up to $300/yr. Examples of the treatments Embrace covers includes: chiropractics, acupuncture, homeopathic, and holistic.
Wellness & Routine Care Coverage
Embrace’s Wellness Rewards is a stand-alone routine care plan to help you pay for regular visits to your vet. If your vet charges $100 for a puppy wellness visit, that’s how much Embrace will reimburse. ASPCA places a cap on wellness based on Usual, Customary, & Reasonable costs. View our comparison on routine care.
Independent Customer Rating
Want to know why Embrace is consistently rated one of the best pet insurance companies in America? Then get the scoop on what pet parents really think about Embrace over at PetInsuranceReview.com . Reviews are completed by actual pet insurance users and Embrace is consistently rated over 9 out of 10. We also suggest additional sources for pet insurance reviews.
This comparison of ASPCA Pet Health Insurance plans and coverage was wholly prepared by EPI Agency LLC. For the most current view of plans, prices, or coverage in your state we encourage you to contact a representative of ASPCA Pet Health Insurance directly. If we do not have the most up to date information please contact us.