ASPCA offers better pet insurance than Embrace for both dogs and cats. That said, the best provider for you depends on whether you prioritize low costs, comprehensive coverage or excellent customer service. ASPCA leads in affordability and coverage options for pets, while Embrace wins in customer experience.
Embrace vs. ASPCA Pet Insurance
Updated: March 16, 2026
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Embrace vs. ASPCA Pet Insurance: Key Takeaways
ASPCA provides more affordable pet insurance rates, charging $31 monthly for middle-aged cats and $48 monthly for dogs. Embrace runs $46 and $77 for the same categories.
Embrace leads in customer satisfaction with a Trustpilot score of 4 out of 5 stars, compared to ASPCA's 3.6 out of 5 rating, excelling in fast claim reimbursements and responsive customer service.
ASPCA ranks eighth nationwide for coverage while Embrace ranks tenth, with ASPCA having shorter waiting periods for knee and ligament conditions at 14 days and no upper age limits.
Is Embrace or ASPCA Pet Insurance Better?
| Cat | Affordability | ASPCA | 7 | 14 |
| Dog | Affordability | ASPCA | 2 | 12 |
| Cat | Coverage | ASPCA | 8 | 10 |
| Dog | Coverage | ASPCA | 8 | 10 |
| Cat | Customer Experience | Embrace | 6 | 6 |
| Dog | Customer Experience | Embrace | 6 | 6 |
| Cat | Overall Score | ASPCA | 9 | 14 |
| Dog | Overall Score | ASPCA | 5 | 13 |
How We Decided the Winning Pet Insurance Provider
All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Learn more about the best pet insurance options for your pet across different situations:
Embrace and ASPCA Comparison by State
Whether you're looking to insure your dog or cat, our analysis found that ASPCA wins as the best pet insurance company against Embrace in all 50 states.
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How We Decided the Winning Pet Insurance Provider by State
All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Embrace vs. ASPCA Pet Insurance Cost
ASPCA costs less than Embrace for all age groups and pet types in our study, offering the highest savings for senior dogs at 39%. Senior dog owners pay $116 monthly with ASPCA versus $192 monthly with Embrace.
Learn how much pet insurance costs across different age categories.
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| Kittens | ASPCA | $14 | 33% |
| Young Cats | ASPCA | $20 | 31% |
| Puppies | ASPCA | $25 | 25% |
| Middle Aged Cats | ASPCA | $31 | 33% |
| Young Dogs | ASPCA | $31 | 29% |
| Middle Aged Dogs | ASPCA | $48 | 38% |
| Senior Cats | ASPCA | $74 | 24% |
| Senior Dogs | ASPCA | $116 | 39% |
How We Decided the Winning Pet Insurance Provider
All rates presented here were based on averages for pricing for Labrador Retrievers and Ragdolls from the age of less than 1 years old up to 20 years of age across 50 states.
Embrace vs. ASPCA Pet Insurance Cost by State
Our state-level analysis reveals ASPCA maintains lower rates than Embrace in every state for all eight pet age categories. Arkansas consistently has the cheapest pet insurance across kittens, puppies, young, middle-aged and senior pets.
- Kittens: ASPCA runs $10 per month in Arkansas versus Embrace's $15 per month, a 31% difference.
- Puppies: Arkansas pet owners pay $17 per month with ASPCA compared to $22 per month with Embrace, 24% less.
- Young Cats: ASPCA charges $14 per month in Arkansas while Embrace charges $19 per month, putting 28% back in your pocket.
- Young Dogs: ASPCA's Arkansas rate of $21 per month beats Embrace's $30 per month by 29%.
- Middle-Aged Cats: The gap widens here. ASPCA costs $21 per month in Arkansas versus $31 per month with Embrace, a 31% spread.
- Middle-Aged Dogs: ASPCA charges $32 per month in Arkansas while Embrace charges $51 per month, 37% more.
- Senior Cats: Arkansas pet owners pay $51 per month with ASPCA compared to $65 per month with Embrace, saving 21%.
- Senior Dogs: The biggest dollar gap in Arkansas belongs to this category. ASPCA covers senior dogs at $78 per month versus Embrace's $128 per month, a 39% difference.
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Middle Aged Dogs
| Alabama | ASPCA | $35 | 38% |
| Alaska | ASPCA | $47 | 38% |
| Arizona | ASPCA | $58 | 38% |
| Arkansas | ASPCA | $32 | 37% |
| California | ASPCA | $60 | 38% |
| Colorado | ASPCA | $60 | 38% |
| Connecticut | ASPCA | $55 | 38% |
| Delaware | ASPCA | $48 | 38% |
| Florida | ASPCA | $54 | 38% |
| Georgia | ASPCA | $43 | 38% |
| Hawaii | ASPCA | $48 | 38% |
| Idaho | ASPCA | $48 | 38% |
| Illinois | ASPCA | $59 | 37% |
| Indiana | ASPCA | $43 | 38% |
| Iowa | ASPCA | $40 | 38% |
| Kansas | ASPCA | $44 | 38% |
| Kentucky | ASPCA | $38 | 38% |
| Louisiana | ASPCA | $39 | 38% |
| Maine | ASPCA | $58 | 38% |
| Maryland | ASPCA | $47 | 38% |
| Massachusetts | ASPCA | $62 | 38% |
| Michigan | ASPCA | $48 | 38% |
| Minnesota | ASPCA | $50 | 38% |
| Mississippi | ASPCA | $41 | 38% |
| Missouri | ASPCA | $38 | 38% |
| Montana | ASPCA | $40 | 38% |
| Nebraska | ASPCA | $43 | 38% |
| Nevada | ASPCA | $50 | 38% |
| New Hampshire | ASPCA | $56 | 38% |
| New Jersey | ASPCA | $54 | 38% |
| New Mexico | ASPCA | $42 | 38% |
| New York | ASPCA | $52 | 38% |
| North Carolina | ASPCA | $43 | 38% |
| North Dakota | ASPCA | $37 | 38% |
| Ohio | ASPCA | $44 | 38% |
| Oklahoma | ASPCA | $40 | 38% |
| Oregon | ASPCA | $59 | 38% |
| Pennsylvania | ASPCA | $50 | 38% |
| Rhode Island | ASPCA | $42 | 38% |
| South Carolina | ASPCA | $45 | 38% |
| South Dakota | ASPCA | $42 | 38% |
| Tennessee | ASPCA | $44 | 38% |
| Texas | ASPCA | $51 | 38% |
| Utah | ASPCA | $46 | 38% |
| Vermont | ASPCA | $45 | 38% |
| Virginia | ASPCA | $51 | 38% |
| Washington | ASPCA | $55 | 38% |
| West Virginia | ASPCA | $41 | 38% |
| Wisconsin | ASPCA | $51 | 38% |
| Wyoming | ASPCA | $44 | 38% |
How We Decided the Winning Pet Insurance Provider by State
All rates presented here were based on average pricing for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll.
Embrace vs. ASPCA Pet Insurance Discounts
ASPCA offers four pet insurance discounts compared to Embrace's two. Both providers offer identical 10% savings for insuring multiple pets. Embrace is the only choice for military members, while ASPCA exclusively provides discounts for employer plans, association memberships and veterinary staff.
Multiple pets | Save 10% when you insure two or more pets with Embrace. | Get 10% off for each additional pet’s base premium. |
Military | 5% off for active or former members of the U.S. Air Force, Army, Marines, Navy or Coast Guard. | None. |
Employer group plan | None. | Save 10% for joining a participating employer's benefit program. |
Association or membership | None. | 10% off for members of certain associations, such as REALTOR benefits programs. |
Veterinary staff | None. | Employees of veterinary practices receive up to 10% off on pet insurance. |
Embrace vs. ASPCA Pet Insurance Customer Experience
Embrace provides better customer experience than ASPCA, ranking sixth nationally for both dog and cat insurance in our study. While both providers maintain A+ ratings from the Better Business Bureau, Embrace earns a higher Trustpilot score of 4 out of 5 compared to ASPCA's 3.6 rating, showing more consistent positive feedback from actual customers. Conversely, ASPCA maintains a higher positive sentiment from Reddit users than Embrace, with ASPCA garnering 36% positive comments from 11 total reviews, whereas Embrace has 29% positive sentiment from 21 reviews.
Embrace vs ASPCA Trustpilot ratings
Embrace earns a 4 out of 5 Trustpilot rating compared to ASPCA's 3.6 out of 5. Embrace reviewers praise fast claim reimbursements within two to three days and caring customer service representatives. ASPCA reviewers appreciate the user-friendly app for claims but report more frequent claim denials and communication delays.
Embrace vs ASPCA BBB ratings
Embrace has an A+ BBB rating, which is similar to ASPCA's A+ rating. Both providers are also BBB Accredited businesses with established track records spanning over 20 years in operation. This means Embrace and ASPCA meet BBB Standards for Trust, maintain good complaint resolution practices and demonstrate ethical business conduct.
Embrace vs ASPCA Pet Insurance Reddit Sentiment
Reddit sentiment analysis shows ASPCA with 36% positive feedback from 11 total comments compared to Embrace's 29% positive from 21 comments. Embrace users praise the company's quick claim reimbursements within days and responsive customer service but criticize its strict pre-existing condition exclusions and rate increases. ASPCA policyholders appreciate broad coverage for hereditary conditions and easy claim submission but complain about aggressive pre-existing condition denials and slower processing times up to three weeks.
Embrace vs. ASPCA Pet Insurance Coverage
ASPCA offers better pet insurance coverage for dogs and cats than Embrace, ranking eighth nationally while Embrace places 10th. Despite Embrace having a shorter waiting period for accidents and more options for deductibles and annual limits, ASPCA comes out ahead for its shorter waiting period for knee/ligament conditions and curable pre-existing conditions. ASPCA also has no upper age restrictions for enrollment, while Embrace limits pets 15 years and older to accident-only plans.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ | Only covers prevention through an optional add-on |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $250, $500, $750, $1,000 | $100, $250, $500 | |
$2,000, $5,000, $8,000, $10,000, $15,000, Unlimited | $2,500, $5,000, $7,500, $10,000, Unlimited | |
70%, 80%, 90% | 70%, 80%, 90% | |
No waiting period for accidents, 14 days for illnesses, 6 months for orthopedic conditions | 14 days for accidents, illnesses and knee/ligament conditions | |
Age restrictions | Full coverage available for pets 6 weeks to 14 years old; 15 years old and above limited to accident-only plans | No upper age limit |
Pre-existing conditions | Curable pre-existing conditions may be considered after 12 months of being symptom-free | Curable pre-existing conditions may be eligible if the pet remains symptom-free for 180 days |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Embrace vs. ASPCA Wellness Plans
Both Embrace and ASPCA include wellness plans for routine preventive care, though their structures work differently. Embrace gives you three annual allowance options with no per-item limits. ASPCA keeps it simpler with two tiers and fixed reimbursement amounts per service.
- $300 Tier: Covers routine care like wellness exams, vaccines, flea and tick prevention, grooming and dental cleaning, with no per-item limits.
- $500 Tier: Bumps your annual allowance to $500, a good fit for pet owners who visit the vet often and want broader coverage for routine and preventive treatments.
- $700 Tier: Best for puppies and kittens in their first months. The $700 allowance covers vaccinations, spaying and neutering alongside standard routine care, with no per-item caps.
- Basic Preventive Care: Pays up to $250 per year for essential preventive services including wellness exams, dental cleaning, deworming, fecal tests and basic vaccines.
- Prime Preventive Care: Expands annual coverage to $450 and adds spay/neuter procedures, blood tests, urinalysis, health certificates and vaccines beyond what the Basic tier includes.
Embrace vs. ASPCA Pet Insurance Add-ons
Embrace also has an exam fees add-on that reimburses exam costs tied to covered accidents and illnesses. ASPCA doesn't offer add-ons beyond its wellness plans.
Embrace vs. ASPCA Pet Insurance: Bottom Line
If you're considering between Embrace and ASPCA for pet insurance, we recommend going with ASPCA for its lower rates and more comprehensive coverage. ASPCA offers the highest savings for senior dogs at 39%, charging an average of $116 monthly. It also has a broad range of coverage options and shorter waiting periods for knee/ligament events and curable pre-existing conditions. However, Embrace may be the better option if you value excellent service, with the company earning a 4 out of 5 Trustpilot rating compared to ASPCA's 3.6 rating.
Compare other major pet insurance companies to determine the best choice for your pet:
Embrace vs. ASPCA Pet Insurance Comparison: FAQ
Compare Embrace and ASPCA pet insurance through these common questions:
Is Embrace or ASPCA pet insurance better?
ASPCA offers better pet insurance than Embrace for both dogs and cats nationwide. It has more affordable rates across all pet age categories and more comprehensive coverage. Embrace, though, pulls ahead on customer experience.
What does Embrace pet insurance cover that ASPCA doesn't?
Both providers offer similar core accident and illness coverage, though Embrace covers parasite treatments in its base policies, while ASPCA only covers prevention through its optional wellness plans. Additionally, Embrace provides three wellness tiers with no per-item limits, whereas ASPCA offers two tiers with fixed reimbursement amounts per service.
Is ASPCA pet insurance cheaper than Embrace?
ASPCA offers lower premiums across all cost categories compared to Embrace. ASPCA also provides more saving opportunities with four discount options versus Embrace's two discounts.
How do waiting periods compare between Embrace vs. ASPCA pet insurance?
Embrace doesn't impose a waiting period for accidents, while ASPCA requires 14 days. However, ASPCA's waiting periods for knee/ligament conditions (14 days) and curable pre-existing conditions (180 days) are shorter than Embrace's six months and 12 months, respectively.
Which is better for claims and customer satisfaction: Embrace or ASPCA?
Embrace ranks sixth nationally for customer experience with a 4 Trustpilot rating but shows only 29% positive Reddit sentiment from 21 comments. ASPCA earns a 3.6 Trustpilot rating with 36% positive Reddit sentiment from 11 comments. Both providers maintain A+ BBB ratings and accredited business status.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Embrace Pet Insurance." Accessed March 24, 2026.
- Trustpilot. "ASPCA Pet Health Insurance." Accessed March 24, 2026.
- Better Business Bureau. "Embrace Pet Insurance." Accessed March 24, 2026.
- Better Business Bureau. "PTZ Insurance Agency, Ltd." Accessed March 24, 2026.