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.
No Upper Age Limit
Exam Fees
Behavioral Issues
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
No Upper Age Limit
Tired of being told no? Spot plans don't place an upper age limit on coverage. *With Nationwide, only pets 10 years of age or younger may enroll in a Major Medical Plan. *With Embrace and USAA, pets of any age can be insured but pets 15+ are restricted to enrolling in new accident-only plans. *** "No upper age limit*** data in table with "Y" means pets are covered and can enroll in a new plan regardless of old age. "N" means there is a maximum age to enroll or be insured.
Exam Fees
Once your deductible is met, exam fees for accidents and illnesses related to covered conditions are covered. Annual physical exam fees are not covered. *With Figo, Prudent Pet, Embrace, Lemonade, Liberty Mutual, and Pets Best, an additional monthly fee is required. *With Pawp, Exam Fees are only covered in life-threatening emergency situations, and only 1 emergency a year.
Behavioral Issues
This coverage can help with eligible costs for veterinary visits for concerning behavioral issues that may be related to anxiety or compulsive behavior, like excessive licking, fur pulling, and destruction of home. *Trupanion behavioral issues coverage are available for an additional cost. *Fetch only covers up to $1k towards behavioral issues each year. *Metlife coverage available for an additional cost.
Preventive Care
Treatment for the purposes of avoiding an illness or injury or for the promotion of general heath, where there is no underlying illness, injury, or symptoms. Dental cleaning, wellness exams, deworming, flea/heartworm prevention, fecal and blood test, and more! Spot provides options to add preventive care coverage for extra monthly costs.
Microchip
Your core policy covers microchip implantation by a veterinarian; not any associated fees for registration, monitoring, or renewal. *With Pets Best, Fetch, Prudent Pet, Embrace, Geico and Trupanion, an additional monthly fee is required. *Included in Nationwide's and Liberty Mutual's Wellness packages for an additional monthly cost.
Prescription Foods
## Prescription Diets & Dietary Supplements A food that is prescribed by your veterinarian to treat a covered condition, with guaranteed analysis and safety standards. Spot plans don't cover the following prescription diets: treats, general health maintenance diets, weight loss diets, puppy or kitten diets, homemade diets, or raw food diets, even if prescribed or dispensed by your veterinarian. *Figo only covers food to treat bladder stones / crystals for up to 6 months *With Pets Best, an additional monthly fee is required. *Prudent Pet only covers prescription food costs to treat bladder stones and crystals for a limited time. *Fetch only covers prescription supplements, not prescription food. *Manypets covers prescription supplements, not prescription food.
Alternative Therapies
There are all sorts of alternative therapies now involved for pets, such as acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy. Spot plans can reimburse you for alternative therapies your pet might need to treat a covered condition.
Chronic Conditions
These are accidents & illnesses that need care across multiple plan period, such as diabetes and cancer. With accident & illness pet insurance plans provided by Spot, you don't have to worry about a condition becoming ineligible for coverage just because it is ongoing.
One Annual Deductible
Spot plans allow you to select from a range of annual deductible amounts. Once you meet your annual deductible, Spot plans will reimburse a percentage of covered expenses, according to the reimbursement percentage you select, up to your annual limit.
Specialists
Spot understands the importance of timing, which is why we’re proud to offer you plans with coverage at any licensed vet, emergency clinic or specialist in the US.
Hereditary & Congenital Conditions
This coverage is for the costs of eligible inherited illnesses and that don't show symptoms until later in your pet's life, like heart disease, IVDD, eye disorders, and hip dysplasia. *Healthy Paws does cover hereditary conditions, though pets enrolled after age 6 are not eligible for hip dysplasia coverage. *With Embrace, pets enrolled after age 6 are not eligible for hip dysplasia coverage. *Pawp covers hereditary and Congenital conditions only related to life-threatening emergencies.
Dental Illness
Spot plans cover dental illnesses if you enroll in an accident & illness plan, and Spot plans cover tooth extractions for accidents.
Multi Pet Discount
Insure one, discount the rest. Spot plans provide a 10% multi-pet discount for every additional pet insured. *Liberty Mutual gives 5% discount for first additional pet, and 10% for 3 or more.
30-Day Money Back Guarantee
Take the time to understand if this service is for you and your furry pal. Test it out and determine if it’s right for you with our 30-day money back guarantee. *30-day money back guarantee only available if no claims have been covered. *Not available in NY. *Not available in ME. ME residents receive a 15 day right to examine.
Comparison 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.
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
Easy to make claims
Easy to make claims. No gimmicks or weird rules. I received my refund fast and accurately.
staff was friendly
staff was friendly, quick & made sure I knew and understood all my options
Would Recommend!
Easy to submit claims. Clear on what is covered and what isnt. Really made the financial part of a recent pet emergency less stressful.
Very good customer service and fast…
Very good customer service and fast return on claims
No regrets choosing Spot Pet Ins.
The coverage is very good and the claims process is easy and fast.
easy to apply
easy to apply
They pay the claims!!!
I have had all positive experiences so far dealing with getting reimbursement for the claims on my dog and cat. I am always nervous that they are going to try to find some reason to deny or reject all or part of the claim, just based on them being an insurance company! But I've had Spot for a year and a half now, and I have to say, it's all been on the level. Very fair. What a relief!
Quick response and action for clam.
Quick response and action for clam.
So helpful
So helpful, knowledgeable and fast. Couldn’t be happier.
Easy to work with
Easy to work with, response time was good.
