Head-to-Head
ASPCA vs Embrace
Side-by-side comparison of coverage, pricing, waiting periods, and overall value.
Coverage comparison
| Feature | ASPCA | Embrace |
|---|---|---|
| Hereditary | ✓ Yes | ✓ Yes |
| Congenital | ✓ Yes | ✓ Yes |
| Bilateral | ✓ Yes | ✓ Yes |
| Dental | ✓ Yes | ✓ Yes |
| Behavioral | ✓ Yes | ✓ Yes |
| Prescription | ✓ Yes | ✓ Yes |
| Alternative Therapies | ✓ Yes | ✓ Yes |
| Exam Fees | ✓ Yes | ✓ Yes |
Pricing comparison
| Dog type | ASPCA | Embrace |
|---|---|---|
| Small (young) | $25–$50/mo | $24–$42/mo |
| Medium (young) | $35–$65/mo | $30–$55/mo |
| Large (young) | $45–$85/mo | $40–$78/mo |
| Brachycephalic | $50–$95/mo | $45–$92/mo |
| Large (senior) | $60–$120/mo | $62–$125/mo |
Plan flexibility
| Option | ASPCA | Embrace |
|---|---|---|
| Deductibles | $100, $250, $500 | $200, $300, $500, $750, $1000 |
| Reimbursement | 70%, 80%, 90% | 70%, 80%, 90% |
| Annual limits | $5000, $10000, Unlimited | $5,000, $10,000, $15,000, $30,000 |
Waiting periods
| Type | ASPCA | Embrace |
|---|---|---|
| Accidents | 14 days | 2 days |
| Illness | 14 days | 14 days |
| Orthopedic | None | 6mo |
Strengths & weaknesses
ASPCA
✓ Optional preventive care wellness plan
✓ Behavioral coverage included
✓ No upper age limit for enrollment
✓ Comprehensive coverage including dental illness
✓ Backed by trusted ASPCA brand
✗ 14-day accident waiting period
✗ 6-month cruciate ligament wait
✗ Underwritten by Crum & Forster not ASPCA directly
✗ Wellness add-on costs extra
Embrace
✓ Most comprehensive coverage
✓ Dental illness included
✓ Behavioral coverage
✓ Diminishing deductible
✗ No unlimited annual limit
✗ Higher premiums for comprehensive coverage
✗ Annual limits may cap large claims
Frequently asked questions
Which is better, ASPCA or Embrace?
Embrace has a higher overall rating. ASPCA scores 4.2/5 while Embrace scores 4.3/5. The best choice depends on your dog's breed, age, and your coverage priorities.
How much does ASPCA cost vs Embrace?
For a medium-sized young dog, ASPCA costs $35–$65/month while Embrace costs $30–$55/month. Embrace is generally more affordable.
Which has better coverage, ASPCA or Embrace?
Both providers cover core accident and illness expenses. ASPCA processes claims in 10 days on average, while Embrace takes 5 days. Review the coverage table above for detailed feature-by-feature differences.
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