Embrace Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison

5 Reasons to Consider Spot Plans Over Embrace Plans

Embrace Charges Extra for Microchip Coverage. Spot Includes It in Every Base Plan.

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.

Embrace Won't Enroll Pets 15+ in an Accident & Illness Plan. Spot Has No Upper Age Limit.

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.

Embrace Charges Extra for Rx Supplement Coverage. Spot Includes It in Every 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.

Embrace's Multi-Pet Discount Varies by State and May Be Lower Than 10%. Spot's Is a Flat 10% Everywhere.

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.

Embrace Has a 6-Month Waiting Period for Orthopedic Conditions. Spot's Illness Wait Is 14 Days.

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

Does Embrace cover microchip implantation?

Only through its Wellness Rewards add-on, at extra cost. Spot includes microchip coverage in every base plan.

Can I enroll an older pet with Embrace?

Embrace won't enroll dogs or cats 15 or older in an accident & illness plan — only an accident-only plan. Spot has no upper age limit on any plan.

Does Embrace cover prescription supplements?

Only through its Wellness Rewards add-on, at extra cost. Spot includes Rx supplement coverage in every base plan when prescribed to treat a covered condition.

Does Embrace have a waiting period for orthopedic conditions?

Yes — Embrace requires a 6-month wait for orthopedic conditions like hip dysplasia and ligament tears, on top of its standard 14-day wait for other illnesses. Spot's illness waiting period is 14 days across the board, with no separate orthopedic wait.

Does Embrace's multi-pet discount vary by state?

Yes — Embrace's Multiple Pet Discount is up to 10%, but can be lower depending on your state. Spot offers a 10% multi-pet discount in all 50 states.

Choose Spot if You Want Microchip and Rx Supplement Coverage Included, With No Upper Age Limit

Spot includes microchip and Rx supplement coverage in every base plan and has no upper age limit on enrollment — all more restricted with Embrace.

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

Have More Questions?

Visit our blog to learn more about how pet insurance works and the benefits it can offer you and your pet.

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What is the Waiting Period in Pet Insurance?

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What are Pre-existing Conditions?

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How Does Pet Insurance Work?

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_{Comparison information is provided using publicly available information as of [DATE] and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans is 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. We attempt to keep the information up to date but 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@spotpetins.com.}