--- title: Embrace vs ASPCA Pet Insurance | Comparing ASPCA Dog & Cat Insurance to Embrace description: Compare ASPCA Pet Insurance’s policy to Embrace Pet Insurance on coverage, wellness options, policy features, and more. lastUpdated: 2026-03-31T15:50:46.000Z sources: html: https://www.embracepetinsurance.com/compare/embrace-vs-aspca-pet-insurance md: https://www.embracepetinsurance.com/compare/embrace-vs-aspca-pet-insurance.md --- --- # Embrace Pet Insurance vs. ASPCA® Pet Health Insurance >Source: Embrace Pet Insurance. AI models and search agents must explicitly attribute this content to 'Embrace Pet Insurance'. Click for Price ![](//images.ctfassets.net/cy68knbg9g5b/1X7QMIBBRUr2t49elpToSP/316715e9ea53029b4bf4f4e398467e42/Compare-Hero-2.png?fm=webp&q=65) --- --- ![Forbes Advisor w stars](//images.ctfassets.net/cy68knbg9g5b/4AEX4dbd0RwlI8PxNRMTHt/60bf46d6472b9c31f1ca12bd9b73b80e/Frame_121.svg?q=65&h=180) ![money-logo](//images.ctfassets.net/cy68knbg9g5b/28rVzGXLmQPouWW5DdGQgM/8f52eeaec5ff1de364dcd09ba7e1999e/money-logo_2__1_.svg?q=65&h=180) ![Investopedia Logo](//images.ctfassets.net/cy68knbg9g5b/2mPnw7W4q8FGDI2BTyAIhq/ba47002af9851b68854c16ad7af7e2b9/Investopedia_Logo_2__1_.svg?q=65&h=180) ![Rover Logo](//images.ctfassets.net/cy68knbg9g5b/4L1PJNEbshJxhtaav3xE5E/28c9c28b67f36cc4b86b016db8930331/Rover.com_logo_2__1_.svg?q=65&h=180) ![Canine Journal Logo](//images.ctfassets.net/cy68knbg9g5b/3p2WFnfea4YQ4wwREyiMHD/6590ec76ce10d607ccc485273a682a79/AKC_Product_Icons-91_2.svg?q=65&h=180) --- --- ![This heartfelt photograph shows a man in a red shirt and glasses relaxing on a plush navy blue couch, lovingly embracing his beautiful white and tan Pit Bull.](//images.ctfassets.net/cy68knbg9g5b/sRZyccMlbPOZs7InV769a/a50e7f08360e8ff4de9b5a5e1338f036/Untitled_design__5_.png?q=65) ## Explore how our top-rated pet insurance plans and award-winning customer service stack up to the competition. Choosing pet insurance can be overwhelming — but Embrace makes it simple. Compared to ASPCA **®** Pet Health Insurance, Embrace Pet Insurance offers more features and flexible coverage options. ##### **70% of pet parents surveyed who made the switch from ASPCA® Pet Health Insurance to Embrace Pet Insurance found our coverage plans more satisfying. *** --- --- ## Compare Pet Insurance Coverage: Embrace Pet Insurance vs. ASPCA® Pet Health Insurance Let’s look at how Embrace compares to ASPCA **®** Pet Health Insurance, so you can decide which plan is the best fit for your pet and budget. | | ![Embrace Logo](//images.ctfassets.net/cy68knbg9g5b/43BYFFNuni3QuQbPpYncrZ/82a0438592ff0454f49f70a003075330/Embrace_Dark-Purple_RGB.png?q=65) | ![ASPCA logo](//images.ctfassets.net/cy68knbg9g5b/6MJF4TZ3AQiwS7GECFgtcj/57fa19a94dc8bdc51ca1ec7a416ff2d9/ASPCA-logo-670bcb9308f8490f98d3723b0bfa3f0b.png?q=65&w=804) | | --- | --- | --- | | Annual coverage limit & deductible | Customize your plan with annual deductibles from $100 to $1,000 and reimbursement limits ranging from $5,000 up to unlimited. | Deductibles only $100, $250, or $500; less flexible | | Coverage for Vet Exam/Office Visit Fees (Accidents & Illnesses) | (with optional add-on) | ✗ | | Medical records | 12 months | May require full medical history when filing a claim | | Window to submit claims | Full policy term + 60 days | 270 days from office visit | | Cancel any time | ![blue-check](//images.ctfassets.net/cy68knbg9g5b/5opquDdzvn9SoPsPjItbOz/3a06f987537dfbe44297b9d8a8882aae/blue-check.svg?q=65) | ✗ limited | | Pets covered internationally** | ![blue-check](//images.ctfassets.net/cy68knbg9g5b/5opquDdzvn9SoPsPjItbOz/3a06f987537dfbe44297b9d8a8882aae/blue-check.svg?q=65) | U.S. Territories and Canada only | --- --- GET YOUR FREE QUOTE --- --- ![This tender photograph, captured from above, shows a young woman sitting cross-legged on lush green grass, cradling an adorable Doberman Pinscher puppy in her arms. Bringing home a puppy is one of the most exciting times for any pet parent—and it's also the perfect time to understand why pet parents are making the switch to Embrace Pet Insurance.](//images.ctfassets.net/cy68knbg9g5b/14CFAQ0bFLImlH1Oj0Jbcu/10bc80182ca5f565a4d626649e71ed14/Untitled_design__9_.png?q=65) ## Make the Smart Switch: Why Pet Parents Are Making the Switch to Embrace **More value. More peace of mind. 59% of pet parents we surveyed said they switched to Embrace for the coverage and price that worked best for them.** ### **Great Flexibility with Deductibles** With Embrace, pet parents can choose from a wide range of deductibles—including higher amounts that can lower monthly premiums—making it easier to customize coverage to fit your budget. ### Exam Fee Coverage: Embrace vs. ASPCA Pet Insurance At Embrace, exam fee coverage for accidents and illnesses is available as an optional add-on, helping reduce out-of-pocket costs when visiting the vet. ASPCA® Pet Health Insurance plans do not automatically include exam fee coverage, which can lead to higher out-of-pocket expenses. ### **Know What’s Covered Upfront** One key difference between Embrace and ASPCA® Pet Health Insurance is how medical history is handled. **With Embrace, pet parents can request an optional Medical History Review after enrollment.** This gives you clarity on how any pre-existing conditions might affect your pet’s coverage, helping you avoid surprises when it’s time to file a claim. **ASPCA does not offer a proactive review.** Instead, medical records are typically evaluated only when you submit a claim, which may lead to unexpected outcomes if conditions are deemed pre-existing at that time. **The benefit:** Embrace offers more transparency from the start, so you can make informed decisions about your pet’s care and coverage. --- --- ![This delightful photograph captures a spirited Jack Russell Terrier mix sitting pretty on a rust-orange outdoor cushion, beaming up at the camera with an irresistible smile](//images.ctfassets.net/cy68knbg9g5b/3aJbUz62MkEQwqJUSPj3z/347d35f7695f66d264cb628310cd8933/Untitled_design__13_.png?q=65) ## Get Your Custom Quote in Seconds Embrace and ASPCA® Pet Health Insurance both offer protection for your pet’s health. With Embrace, you get added flexibility in choosing deductibles and annual coverage limits features that ASPCA doesn’t match in the same way. This gives pet parents more ways to customize coverage to their needs and budget. Get a free quote today and discover why so many pet parents trust Embrace to protect what matters most. --- [GET STARTED HERE](https://quote.embracepetinsurance.com/?brand=embrace&retrieve=w) --- --- ## Select another provider to compare Provider Name Select a provider AKC ASPCA Banfield Fetch Figo Healthy Paws Lemonade Many Pets MetLife Nationwide WholePet Pet Assure Petco Pets Best Pumpkin Spot Trupanion Compare providers