No Upper Age Limits
Spot believes that pets of all ages deserve the best care. Coverage can begin at just 8 weeks old and your pet will never age out of their coverage. Plans from Embrace have upper age limits.
Prescription Food Coverage
Many pets require prescription foods to manage their health conditions. While Spot covers prescription foods recommended by your vet, Embrace only offers this coverage for limited breeds and conditions.
Exam Fees Covered
Embrace does not cover exam fees even for conditions covered under its plan unless you add that coverage for an extra cost. With any base plan from Spot, you can get cash back for exam fees for covered conditions.
Microchip
Prescription Foods
Exam Fees
No Upper Age Limit
One Annual Deductible
Preventive Care
Multi Pet Discount
Behavioral Issues
Dental Illness
Alternative Therapies
Hereditary & Congenital Conditions
Chronic Conditions
Specialists
30-Day Money Back Guarantee
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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.
Microchip Implantation Coverage Included in Every Plan
Every pet parent worries about losing their beloved pet. That's why every base plan from Spot includes coverage for microchip implantation. This tiny chip, implanted under your pet's skin, can help reunite you if you're ever separated. Embrace, on the other hand, only covers microchipping with the purchase of a Wellness Rewards add-on.
Get More from Spot
Spot is America's Favorite Pet Insurance for a reason. Not only do we offer customizable plans to fit your budget, we also proudly provide access to discounts on your favorite pet products and 24/7 access to a dedicated pet tele-health helpline.
As part of our mission to help pets lead happier and healthier lives, we’ve sourced the best deals for you and your pet.∞
Discounts on Pet Products and Services
Curated list of offers for easy access
Variety of Brands and Services
Get unlimited, 24/7 virtual pet care for everything from nutrition advice to behavioral guidance for your pet.
Access to 24/7 vet experts
Call or chat options available
Ask any question about your pet’s health
Happy Pet Parents Trust Spot
Easy to deal with
Easy submission of bill. Quick auto deposit of payout
Easy Filing
the filing was easy in my opinion even though I didn't have my records for my pet, Spot was able to get them from from Vet and fulfill my claim and next thing I know I got a confirmation that a check was in the mail
Made my first claim
Made my first claim. It was processed in notice! Very pleased
You guys did as you say
You guys did as you say. You don’t say one thing and do the exact opposite
The team is very helpful and quick to…
The team is very helpful and quick to respond any of my questions.
Compassionate caring and efficient
When my animals passed away, they were very good about sending me a card, a message, and a phone call. On sending me sympathy message. which was very nice I had to file a couple of claims. They were very efficient getting them completed. I have renewed my policy with them due to the easy to work with them and affordable rates
Fast response time easy to send a claim…
Fast response time easy to send a claim good customer response if you have a question
We’ve been nothing but impressed with…
We’ve been nothing but impressed with Spot Pet Insurance. Sadly, with the loss of our puppy, we aren’t needing to use your services anymore after this last submission. But I have to say I was so impressed that somebody actually reached out from your company to call and share their condolences for the loss of our little guy, especially such a puppy so young. That touched us more than you know and the message brought to your Store eyes were quite happy with you and not that I’m ever ready to get a pet again, but if I do, you’ll be the first people I call! Everything has always been handled in a timely manner and for that we appreciate it and we appreciate you!
Quick and affordable
Quick and affordable
The process to complete my claim was…
The process to complete my claim was excellent
*Spot plans provide a 10% multi-pet discount for every additional pet insured.
1Offer is subject to eligibility terms and is not available to residents of LA, MA, MI, MS, MT, NM, RI, SD, and WA. No purchase necessary. Full eligibility terms.