Embrace Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison
Loving pet owners know there are a lot of different pet insurance providers out there that offer plans with different levels of coverage. Looking for the right pet insurance option for your fur babies can seem overwhelming. If you’re deciding between Embrace Pet Insurance plans and Spot plans, you’re probably wondering what the difference is. At Spot, we don’t shy away from comparison because we are confident in the product we offer! Here, we take a look at what you get with a Spot Pet Insurance plan vs. an Embrace Pet Insurance plan.
See How Spot Plans Stack Up
At Spot, we're all about what goes into your coverage options. We think we provide some best-in-showplans.
It’s part of our commitment to be there for your pets and make it easier to be the best pet parent you can be. Want to learn more about what makes us stand out? How do these policies differ, and what does each pet insurance plan cover?
Here are some of the ways Embrace Pet Insurance plans differ from Spot plans:
Embrace plans require additional fees to get coverage for microchipping and Rx supplements for covered conditions.
Embrace plans’ multi-pet discount of maybe 5 percent, depending on the state.
Embrace accident & illness plans to limit new enrollments to pets under 15 years old. If your pet is older than that, Embrace will not allow you to enroll for accident & illness coverage, and you can only enroll in an accident-only plan.
Embrace plans have a six-month waiting period for orthopedic conditions unless customers complete an exam and waiver process.
Behavioral Issues
No Upper Age Limit
Exam Fees
Preventive Care
Microchip
Prescription Foods
Alternative Therapies
Chronic Conditions
One Annual Deductible
Specialists
Hereditary & Congenital Conditions
Dental Illness
Multi Pet Discount
30-Day Money Back Guarantee
/
Included
Not included/Some inclusionsComparison information is provided using publicly available information as of 3/2/24 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 marketing@spotpet.com.
5 Reasons to Consider Spot plans
1. Embrace plans microchip coverage is an extra cost
Microchipping is an important measure that helps pet parents protect their pets from being lost. If your dog or cat gets lost, a microchip gives them the best chance of finding their way back home to you. Microchipping may cost between $30 and $50, and pricing varies by location.
Spot plans include coverage for microchip implantation in all core plans. This extra measure can help provide you with valuable peace of mind, so we’re happy to offer plans with this coverage to pet parents.
To be reimbursed for microchip implantation with an Embrace pet insurance policy, you need to add on their Wellness Rewards, which is an additional cost on top of your base plan premium.
2. Embrace accident & illness plans have an upper age limit for new enrollments
At Spot Pet Insurance, we passionately believe that all pets should have access to exceptional coverage regardless of their old age.
Embrace plans will not enroll new dogs or cats 15 years old or above in accident & illness plans. They can only enroll in an accident-only plan.
Spot plans have no upper age limits for new enrollments. Once your pet is eight weeks old, you’re welcome to enroll in Spot plan. Getting your pet covered sooner will help ensure that you have the support you need early on in their life.
3. Embrace plan coverage for Rx supplements used to treat covered conditions is an additional cost to the base plan.
To be eligible for coverage of Rx supplements for covered conditions with an Embrace policy, you need to purchase their Wellness Rewards.
However, Spot takes a holistic approach to pet care. Spot plans cover Rx supplements that are prescribed to treat covered conditions. Spot Pet Insurance plans to make it simple to get help with providing your pet with the supplements they need to treat covered conditions.
4. Embrace plans’ multi-pet discount maybe 5%, depending on the state.
Why should you pay more for pet health insurance if you have multiple pets? We believe all of your pets should have access to coverage — and that you should be rewarded for your loyalty.
Embrace offers a multi-pet discount, but it may be 5 percent off depending on the state you live in. Spot plans’ multi-pet discount is 10 percent off added policies in all 50 states — customer care that cares.
5. Embrace plans have a six-month waiting period for orthopedic conditions
While Spot plans and Embrace plans share the same 14-day waiting period for illness coverage, Embrace doesn't extend this to orthopedic conditions (which include hip dysplasia, ligament tears, intervertebral disc disease, arthritis, and bone fractures).
To have the six-month waiting period for orthopedic conditions reduced, Embrace policyholders need to have an orthopedic exam performed by their vet. Embrace plans do not cover the check-up exam unless the customer has added Embrace Wellness Rewards to their policy.
With plans provided by Spot, eligible orthopedic conditions are given the same 14-day waiting period.
Frequently Asked Questions
What makes a good pet insurance plan?
A good pet insurance plan should adapt to your budget and be easy to actually use. Spot offers customizable plans built around your choice of deductible, annual limit, and reimbursement rate, with a straightforward claims submission that takes less than a minute and reimbursements paid directly to your bank account.
What pet insurance do you recommend for a dog?
Spot's accident and illness plans help cover your dog from as early as 8 weeks old, with exam fee reimbursement for covered conditions^ and microchip implantation included in every plan. Have more than one pet? You'll can save up to 10% on each additional pet enrolled.*
^Exam fees for wellness or annual exams are not covered unless you have purchased the optional preventive care coverage.
*Up to 10% multi‑pet discount available. Discounts vary by state and are subject to change. Not available in all states.
What pet insurance do you recommend for a cat?
From cancer treatments to hospitalization, Spot's accident and illness plan helps cover the serious health events that can be hardest on your wallet. With plans available for cats as young as 8 weeks old, you can start protecting your cat from the very beginning.
What pet insurance do real pet owners actually recommend?
Spot's 10+ 5-star reviews tell the story of pet parents who found a plan that actually delivered when their pet needed care. Combined with a 4.7/5 Trustpilot rating, it's one of the most consistently well-reviewed pet insurance providers available.
What do pet insurance companies cover?
Spot helps cover both dogs and cats for hereditary and congenital conditions with no breed restrictions — every pet deserves the same quality of care. Add optional preventive care coverage for an extra cost for annual exams, flea and tick prevention, and vaccines to round out a plan that works for your pet's whole life.
The Spot treatment
At Spot, we believe in making pet parenting as easy as possible — while providing your pet with what they need to thrive. We help pet parents support their cats and dogs by offering preventive care coverage at an additional cost (for things like wellness exams, spay/neuter, and diagnostic testing).
You can play all day with your pets with less worry. You love your routine with your pets, and Spot supports that routine.
Tucker's Road to Recovery
When emotional support dog Tucker experienced a life-threatening injury to his neck, he needed extensive treatment. His pet parent Kim was able to choose the treatment option that would provide Tucker with the best quality of life because of the financial support provided by Tucker's Spot plan.
Cost of Treatment: $4,305
Spot Plan Reimbursed: $3,874.505
Happy Pet Parents Trust Spot
Claim was easy and processed quickly
Claim was easy and processed quickly. A truly no-hassle experience.
Snoopy - 14 year old Shit Tzu
Snoopy was a 14 year old Shit Tzu, the star of our family. Suddenly, his hind legs wouldn't support him and he was rushed to Urgent Care and they recommended that he had to go to Emergency Care and get a Spinal Decompression Surgery. Also, this moved so fast that in a couple of days, his surgery was complete he was on his way to recovery. That was the first time I informed Spot Pet Insurance about this issue and submitted claims. All claims were reviewed and promptly approved. This has been a wonderful experience with Spot Insurance even though we couldn't even give them a heads-up of this major issue. Thank you for standing up for Snoopy even though he was a 14 year old. Unfortunately, Snoopy made good recovery for a couple of weeks after surgery, even got his stiches off but developed other complications with Pancreas and Liver and he passed away peacefully today. We wish Spot Insurance the very best and thank you for being there for Snoopy until the very end.
Smooth & Efficient Service
I've been using SPOT for about 4 years now. It's very easy to submit a claim with documentation and claims are always processed efficiently and fairly. Payments go straight to my bank account. I love how smooth the whole process is and would recommend SPOT to anyone.
Everything is easy
Everything is easy. From signing up to filing claims. Quick responses to all as well.
Excellent and easy service.
Excellent and easy service.
They are great at keeping in touch
They are great at keeping in touch, quick response to concrrns after luxating patella surgery.
Spot has provided both the level of…
Spot has provided both the level of coverage and superior customer/claim service that was sold to us and we expected.
No hassle, filing or with reimbursement
My cat broke his foot. To leave the emotions out and just make a long story short I needed an amputation Bill came around 5K. The way their process works as you basically pay upfront and they reimburse you. Once I submitted all my paperwork I think about two weeks later I had my reimbursement no hassle submitting the paperwork is very straightforward. Very good experience.
Great coverage
I have had spot for quite a while but never filed a claim. My cat had a problem and had to have follow up tests to determine any issues. I was pleasantly surprised to find that spot covered everything to the extent of my insurance
This was fast and efficient
This was fast and efficient
Spot Is a Pack Leader
