ASPCA offers better pet insurance coverage than Embrace for both dogs and cats, ranking eighth nationally while Embrace ranks tenth. Both providers offer similar deductible ranges and reimbursement rate options, but ASPCA provides more flexible annual limit choices and shorter waiting periods for accident coverage, giving pet owners faster access to benefits when unexpected injuries occur.
Embrace vs. ASPCA Pet Insurance
Updated: November 3, 2025
Advertising & Editorial Disclosure
Embrace vs. ASPCA Pet Insurance: Key Takeaways
ASPCA provides more affordable pet insurance rates, charging $31 monthly for middle-aged cats and $48 for dogs, while Embrace costs $46 and $77 respectively.
Embrace leads in customer satisfaction with a Trustpilot score of 4.1 out of 5.0 stars, compared to ASPCA's 3.7 rating, though both rank sixth nationally for customer experience.
ASPCA ranks eighth nationwide for coverage while Embrace ranks tenth, with ASPCA offering accident coverage after 14 days and wellness rewards as optional add-ons.
Is Embrace or ASPCA Pet Insurance Better?
Data filtered by:
Dog
| Affordability | ASPCA | 2 | 12 |
| Coverage | ASPCA | 8 | 10 |
| Customer Experience | Embrace | 6 | 6 |
| Overall Score | ASPCA | 5 | 13 |
Embrace and ASPCA Comparison by State
ASPCA is the best pet insurance company in three states for dogs and one state for cats. The provider leads dog coverage in Nevada, Oklahoma and South Dakota, while ranking first for cat insurance in South Carolina.
Data filtered by:
Overall Score
Dog
| Alabama | ASPCA | 5 | 7 |
| Alaska | ASPCA | 7 | 5 |
| Arizona | ASPCA | 5 | 7 |
| Arkansas | ASPCA | 7 | 4 |
| California | ASPCA | 5 | 9 |
| Colorado | ASPCA | 5 | 9 |
| Connecticut | ASPCA | 5 | 8 |
| Delaware | ASPCA | 6 | 7 |
| Florida | ASPCA | 5 | 7 |
| Georgia | ASPCA | 5 | 9 |
| Hawaii | ASPCA | 6 | 8 |
| Idaho | ASPCA | 5 | 6 |
| Illinois | ASPCA | 5 | 6 |
| Indiana | ASPCA | 5 | 8 |
| Iowa | ASPCA | 5 | 8 |
| Kansas | ASPCA | 6 | 6 |
| Kentucky | ASPCA | 7 | 5 |
| Louisiana | ASPCA | 5 | 8 |
| Maine | ASPCA | 8 | 5 |
| Maryland | ASPCA | 7 | 6 |
| Massachusetts | ASPCA | 5 | 9 |
| Michigan | ASPCA | 5 | 7 |
| Minnesota | ASPCA | 5 | 9 |
| Mississippi | ASPCA | 5 | 7 |
| Missouri | ASPCA | 5 | 8 |
| Montana | ASPCA | 6 | 6 |
| Nebraska | ASPCA | 6 | 5 |
| Nevada | ASPCA | 4 | 7 |
| New Hampshire | ASPCA | 6 | 8 |
| New Jersey | ASPCA | 7 | 6 |
| New Mexico | ASPCA | 5 | 7 |
| New York | ASPCA | 5 | 8 |
| North Carolina | ASPCA | 5 | 9 |
| North Dakota | ASPCA | 6 | 6 |
| Ohio | ASPCA | 5 | 9 |
| Oklahoma | ASPCA | 4 | 8 |
| Oregon | ASPCA | 5 | 9 |
| Pennsylvania | ASPCA | 5 | 7 |
| Rhode Island | ASPCA | 5 | 8 |
| South Carolina | ASPCA | 8 | 4 |
| South Dakota | ASPCA | 4 | 9 |
| Tennessee | ASPCA | 5 | 6 |
| Texas | ASPCA | 5 | 7 |
| Utah | ASPCA | 5 | 9 |
| Vermont | ASPCA | 7 | 6 |
| Virginia | ASPCA | 5 | 9 |
| Washington | ASPCA | 6 | 7 |
| West Virginia | ASPCA | 5 | 7 |
| Wisconsin | ASPCA | 5 | 8 |
| Wyoming | ASPCA | 7 | 5 |
Embrace vs. ASPCA Pet Insurance Cost
ASPCA offers cheaper pet insurance rates than Embrace across all age groups for cats and dogs. Middle-aged dogs cost $48 per month with ASPCA compared with Embrace's $77 per month. For cats, it's $31 with ASPCA versus $46 with Embrace.
Learn how much pet insurance costs across different age categories.
Data filtered by:
Select
| 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% |
Embrace vs. ASPCA Pet Insurance Cost by State
ASPCA offers the cheapest pet insurance across all 50 states for every pet category. ASPCA consistently provides the most affordable rates for middle-aged dogs and cats, along with puppies, kittens and senior pets nationwide.
Data filtered by:
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% |
Embrace vs. ASPCA Pet Insurance Discounts
We know saving on premiums is an important part of choosing pet coverage. Both Embrace and ASPCA Pet Health Insurance offer several discounts that help keep your pet care costs manageable — compare their main savings opportunities below.
10% off when you insure two or more pets under the same policy. | Approx. 10% off each additional pet’s base premium. | |
Bundling | None publicly noted. | Some association/organization partners provide 10% off base rate in addition to multi-pet. |
Annual Pay-In-Full | May be available depending on state and plan. | May be available in select states (verify at quote). |
Association/Club Member | Military members receive 5% off. | Discounts for certain group members (e.g., REALTORS®) up to 10%. |
Employer/Group Discount | None publicly documented. | Eligible employees of participating companies may receive 10% off base rate. |
Embrace vs. ASPCA Pet Insurance Customer Experience
Embrace delivers better customer experience than ASPCA, ranking sixth nationally for both dog and cat insurance in our study. While both providers maintain A+ BBB ratings, Embrace earns higher customer satisfaction with a Trustpilot score of 4.1 out of 5.0 compared to ASPCA's 3.7 rating, showing more consistent positive feedback from actual customers.
Embrace vs ASPCA Trustpilot ratings
Embrace earns a 4.1 out of 5.0 Trustpilot rating compared to ASPCA's 3.7 out of 5.0. Both ratings come from verified customers, with Embrace's higher score suggesting stronger overall satisfaction with service delivery and claims handling.
Embrace vs ASPCA BBB ratings
Both Embrace and ASPCA maintain A+ BBB ratings with full accreditation, indicating strong complaint resolution and transparent business practices. ASPCA's rating can be found here, showing both companies meet BBB standards for trustworthiness.
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. While ASPCA performs slightly better in positive sentiment percentage, Embrace has nearly double the discussion volume, suggesting higher brand awareness among Reddit users.
Embrace vs. ASPCA Pet Insurance Coverage
ASPCA offers better pet insurance coverage for dogs and cats than Embrace, ranking sixth nationally while Embrace ranks eighth. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but ASPCA has a shorter waiting period for accidents, more coverage selection flexibility and allows pet owners to change their coverage within the first 14 days of purchase.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ | ✓ (via preventive add-on) |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
Various deductible options (e.g., $200, $300, $500+) | $100, $250, $500 options | |
Unlimited options available for full plans | $2,500 up to Unlimited | |
Up to ~90% in higher-tier plans | 70%, 80%, 90% | |
Typical 2-day (accident) and ~14-day (illness) waiting periods, state-varying | 14 days for accidents & illnesses | |
Age restrictions | No upper age limit for accidents/illness coverage; plan specifics may vary | No upper age limit |
Pre-existing conditions excluded, but curable ones considered after 12 months symptom-free | Generally excluded; curable conditions may be covered after ~180 days symptom-free in some cases | |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Embrace vs. ASPCA Pet Insurance Add-ons
When you’re looking to enhance routine care beyond major illness or injury, both Embrace and ASPCA Pet Health Insurance provide optional add-on plans. These help with everyday vet costs and give an extra layer of financial protection.
Embrace Pet Insurance Add-ons
Embrace offers two add-on wellness plans:
• Wellness Rewards: This basic wellness plan provides annual benefit allowances for routine preventive care. Coverage includes wellness exams, vaccines, dental cleanings, blood work, and spay/neuter procedures. The plan offers lower annual benefit limits suitable for basic preventive care needs.
• Wellness Rewards Plus: This enhanced wellness option provides higher annual benefit allowances for comprehensive routine care. It covers the same services as the basic plan but with increased limits for wellness exams, vaccines, dental care, flea and tick prevention, and heartworm prevention. Pet owners receive higher reimbursement amounts for each covered service throughout the year.
ASPCA Pet Insurance Add-ons
ASPCA offers two wellness add-on plans:
• Preventive Care: This plan covers routine veterinary services including annual exams, core vaccines, dental cleanings, and spay/neuter procedures. It also includes flea and tick prevention, heartworm prevention, and microchipping. Annual benefit limits range from $45 to $150 per service category.
• Preventive Care Plus: This enhanced plan includes everything in the basic Preventive Care plan with higher reimbursement limits and additional coverage. Extra benefits cover behavioral training sessions, professional grooming, and nail trims. Annual limits increase to $60 to $200 per service category, providing more comprehensive preventive care support.
Embrace vs. ASPCA Pet Insurance: Bottom Line
ASPCA beats Embrace overall, delivering better affordability and more comprehensive coverage options. ASPCA's rates start at $48 per month for middle-aged dogs and $31 for cats, making it the more budget-friendly choice. ASPCA also provides broader coverage benefits, including accident and illness protection with fewer exclusions. However, Embrace delivers slightly better customer service, earning a 4.1 out of 5.0 Trustpilot rating and an A+ BBB rating compared to ASPCA's 3.7 Trustpilot score.
Embrace vs. ASPCA Pet Insurance Comparison: FAQ
Compare Embrace and ASPCA pet insurance through these common questions:
Which is cheaper: Embrace vs ASPCA pet insurance?
ASPCA is cheaper than Embrace pet insurance across all 50 states and every age group. ASPCA charges $31 per month for middle-aged cats compared to Embrace's $46. The savings are even more significant for middle-aged dogs, with ASPCA at $48 monthly versus Embrace's $77.
Which has better customer service: Embrace vs ASPCA pet insurance?
Embrace delivers superior customer service, ranking sixth nationally for customer experience compared to ASPCA's lower performance. Embrace maintains a 4.1 out of 5.0 Trustpilot score and an A+ BBB rating, while ASPCA trails with a 3.7 Trustpilot rating and A+ BBB grade, showing Embrace's clear advantage in customer satisfaction.
Which offers better coverage: Embrace vs ASPCA pet insurance?
ASPCA offers better coverage than Embrace, ranking 8th nationally compared to Embrace's 10th-place ranking for both cats and dogs. ASPCA provides more comprehensive add-on options including behavioral therapy, dental illness coverage, and end-of-life care, while Embrace focuses primarily on wellness plans. Both cover standard needs like diagnostics, medications, and chronic conditions, but ASPCA's broader selection of optional coverage allows more customization for your pet's specific needs.
Can I switch from Embrace vs ASPCA pet insurance or vice versa?
You can switch between Embrace and ASPCA pet insurance anytime by canceling your current policy and buying a new one. However, new waiting periods will apply: typically 14 days for illnesses and 6 months for orthopedic conditions with both providers. Any conditions your pet had under the previous policy become pre-existing conditions under the new coverage.
Does Embrace vs ASPCA cover pre-existing conditions?
Neither Embrace nor ASPCA covers pre-existing conditions when you first enroll your pet. However, both companies may provide coverage for certain conditions later. Embrace covers curable pre-existing conditions after your pet remains symptom-free for 12 months. ASPCA follows similar guidelines, potentially covering non-chronic conditions after a waiting period once symptoms disappear completely.
Can I get discounts with both Embrace vs ASPCA pet insurance?
Yes, both Embrace and ASPCA offer multiple discount opportunities. Embrace provides five discount options, including 10% off for military families, healthcare workers, and multi-pet households, plus additional savings through employer partnerships. ASPCA offers three main discounts: 10% for multiple pets, 5% for annual payments, and occasional promotional offers for new customers.
What are the age limits for Embrace vs ASPCA pet insurance?
ASPCA pet insurance accepts pets of any age for enrollment, making it accessible for senior animals. Embrace restricts enrollment to pets under 14 years old, which limits coverage options for older pets. This age difference makes ASPCA the better choice for owners with senior pets.
How We Scored Embrace vs. ASPCA Pet Insurance
Evaluating Embrace versus ASPCA required analyzing both providers under identical testing conditions. We obtained quotes from each company using standardized pet profiles and coverage specifications:
- $5,000 annual limit
- 80% reimbursement rate
- $500 deductible
- 6-year-old Labrador Retriever for dog coverage
- 7-year-old Ragdoll for cat coverage
MoneyGeek scored both providers using three weighted factors that reflect key decision-making criteria for pet insurance buyers.
Affordability (50% of score): We collected quotes across multiple coverage options and pet ages to assess real-world pricing, including available discounts that affect actual premium costs.
Customer Experience (30% of score): We analyzed Trustpilot ratings and online customer feedback to measure satisfaction levels with claims processing and customer support.
Coverage (20% of score): We examined policy features, waiting periods, and available add-ons to determine which provider offers more comprehensive pet health protection.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.