ASPCA Pet Insurance vs Embrace Pet Insurance (2026)
Quick Verdict
| Category | ASPCA Pet Insurance | Embrace |
|---|---|---|
| Overall Score | 8.0/10 | 8.6/10 |
| Monthly Cost (avg dog) | ~$35–$70/month (dog) | ~$40–$80/month (dog) |
| Reimbursement Model | Annual deductible; 70–90%; customizable | Annual deductible; dental illness; diminishing deductible |
| Waiting Period (illness) | See details | See details |
| Best For | ASPCA brand trust, exam fees covered, competitive pricing | Dental illness, diminishing deductible, wellness rider |
Brand Overview
ASPCA Pet Insurance (founded 2006): ASPCA Pet Insurance is underwritten by PTZ Insurance (Crum & Forster), not directly operated by ASPCA. A portion of premiums goes to ASPCA programs. Offers standard accident and illness coverage with exam fee coverage included in some plans.
Embrace (founded 2003): Ohio-based insurer with dental illness coverage, Diminishing Deductible program, and optional Wellness Rewards rider.
Coverage Comparison
| Coverage | ASPCA Pet Insurance | Embrace |
|---|---|---|
| Accidents | Yes | Yes |
| Illnesses | Yes | Yes |
| Exam Fees Covered | Yes (included) | Optional |
| Dental Illness | No | Yes |
| Wellness Add-on | Yes | Yes (Wellness Rewards) |
| Diminishing Deductible | No | Yes |
| Annual Limit | $5K–$10K or unlimited | $5K–$30K or unlimited |
| Reimbursement Rate | 70%, 80%, or 90% | 70%, 80%, or 90% |
Pricing Comparison
| Pet Type/Age | ASPCA Pet Insurance | Embrace |
|---|---|---|
| Dog, 2 years | ~$35–$50/month | ~$40–$55/month |
| Dog, 5 years | ~$50–$68/month | ~$55–$75/month |
| Cat, 2 years | ~$18–$28/month | ~$20–$35/month |
Pros and Cons
ASPCA Pet Insurance
Pros
- ASPCA brand recognition and trust
- Exam fees included in coverage (saves $50–$100 per visit)
- Portion of premiums support ASPCA programs
- Competitive pricing
Cons
- No dental illness coverage
- No diminishing deductible
- Underwritten by PTZ/Crum & Forster—not directly ASPCA
Embrace
Pros
- Dental illness coverage
- Diminishing Deductible benefit
- Wellness Rewards rider
- Strong customer service
Cons
- Exam fees may require add-on
- Slightly higher premium
Best For
Choose ASPCA Pet Insurance if: ASPCA brand trust matters to you, exam fees included in coverage, or you appreciate supporting ASPCA programs.
Choose Embrace if: Dental illness coverage, diminishing deductible rewards, and Wellness Rewards add-on.
Alternatives
- [Trupanion vs ASPCA](/compare/trupanion-vs-aspca)
- [Pets Best vs Embrace](/compare/pets-best-vs-embrace)
FAQ
Is ASPCA pet insurance really from ASPCA?
The ASPCA brand is licensed to PTZ Insurance (Crum & Forster), which actually underwrites the policies. A portion of premiums goes to ASPCA, but the policy is not directly issued by the ASPCA organization.
Does ASPCA pet insurance cover exam fees?
Yes—exam fees are included in the Complete Coverage plan. This is a meaningful differentiator, as vet exam fees often run $50–$100 per visit.
Does Embrace cover more dental than ASPCA?
Yes. Embrace covers dental illness; ASPCA does not. Embrace’s dental coverage is a clear advantage.
Has ASPCA pet insurance been around a long time?
ASPCA Pet Insurance launched in 2006. It’s a mid-aged provider with decent claims history.
Which is better for multi-pet households?
Both offer multi-pet discounts. ASPCA is often slightly more competitive on multi-pet household pricing.
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