Embrace vs. ASPCA
More flexibility and fewer surprises at claim time
 | ASPCA |
|---|---|
Choose your annual deductible - $200, $300, $500, $750, or $1,000. More flexibility to fit your budget. | Deductibles of $100, $250, or $500 only. |
Available as an optional add-on for accidents and illnesses. | Not automatically included. |
Looks at the previous 12 months of vet records. | May require full medical history when filing a claim. |
Full policy term + 60 days. | 270 days from office visit. |
Cancel any time with no additional charges. | Limits placed on when and how a policy can be canceled. |
Travel with your pet is covered for up to 6 consecutive months per trip. | U.S. territories and Canada only. |
| Plan features |  | ASPCA |
|---|---|---|
| Deductible options | Choose your annual deductible - $200, $300, $500, $750, or $1,000. More flexibility to fit your budget. | Deductibles of $100, $250, or $500 only. |
| Coverage for vet exam and office visit fees | Available as an optional add-on for accidents and illnesses. | Not automatically included. |
| Medical history records | Looks at the previous 12 months of vet records. | 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 | Cancel any time with no additional charges. | Limits placed on when and how a policy can be canceled. |
| International coverage | Travel with your pet is covered for up to 6 consecutive months per trip. | U.S. territories and Canada only. |
| Get your quote |
With Embrace, you learn how pre-existing conditions affect you before you claim, not after.
Expect more transparency with Embrace’s optional Medical History Review which tells you where you stand while there's still time to plan.
With Embrace, leaving is a decision, not a negotiation.
Cancel whenever you like and we'll refund the unused portion of that month's premium. It’s that easy.
Let’s get your pet covered
30-day money-back guarantee*
10% multi-pet discount**
No obligation, see your price in just 2 minutes
Where Embrace wins over ASPCA
Great flexibility with deductibles
With Embrace, pet parents choose from a wide range of deductibles, from $200, $300, $500, $750 or $1000. The higher amounts help to bring your monthly premium down, which makes it far easier to build coverage around your budget rather than around a fixed set of options.
ASPCA offers deductibles of $100, $250 or $500 only.More time to file, less pressure to rush
The last thing you need to worry about is collecting vet receipts when your dog or cat is having a rough time. That’s why Embrace gives you the full policy term plus 60 days after renewal to submit claims, allowing you plenty of time to focus on the health of your pet.
ASPCA's window closes 270 days after the office visit, which can be tight when you're managing a sick pet and a stack of paperwork at the same time.Know what's covered upfront
One of the clearest differences between the two is how medical history is handled. Embrace offers an optional Medical History Review after enrollment, giving you clarity on how any pre-existing conditions affect your pet's coverage.
ASPCA doesn't offer a proactive review — records are typically evaluated only when you submit a claim, which can lead to unwelcome surprises.Exam fee coverage that ASPCA doesn't include
At Embrace, exam fee coverage for accidents and illnesses is available as an optional add-on, cutting your out-of-pocket cost at every visit.
ASPCA plans don't automatically include exam fee coverage, which leaves that expense with you each time.
Disclosures
Comparison information is provided using publicly available information as of Septmber 30th, 2026 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
*Assuming no claims have been filed
** NY and WA residents receive 5% (not 10%)