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.
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.
 |  | |
|---|---|---|
| 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 | |  Limited |
| Pets covered internationally** | | U.S. Territories and Canada only |
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.
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.
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.
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.
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.
*Data and customer testimonials based on Q1 2025 Embrace Pet Insurance survey polling Embrace policyholders who previously had pet insurance with a different carrier.
** Embrace offers coverage for your pet when you travel, even internationally, for up to 6 consecutive months
Premiums are based on the current age of your pet. Premium may increase due to the age of your pet at renewal. Initial premiums may be impacted by the species or breed of your pet. Premium may change based on your home address.
Wellness Rewards is marketed and administered by Embrace Pet Insurance Agency, LLC. It is NOT INSURANCE and is not a regulated benefit. It is offered as an optional wellness membership plan. Your use of Wellness Rewards is based on an annual maximum. Your use of Wellness Rewards may result in liability for outstanding fees if you terminate your membership before the expiration of the 12-month membership period. Wellness Rewards is not available in RI. For full terms, visit https://www.embracepetinsurance.com/wellness-rewards-terms-of-service (c) 2025 American Modern Insurance Group, Inc.
Comparison information is provided using publicly available information as of 09/02/2025 and is only meant to summarize program features, not a specific plan. Review each provider’s plan terms for more details. The descriptions of other providers’ plans were 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. Although we attempt to keep information up to date, 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 compliance@embracepetinsurance.com.
