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Spot vs Embrace: Pet Insurance Plan Comparison

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Spot Plans vs. Embrace Plans: Pet Insurance Plan 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.

Here’s some things you need to know about Spot Pet Insurance plans and Embrace Pet Insurance plans. 

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-show plans. 

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 differs from Spot plans:

  • Embrace plans requires additional fees to get coverage for microchipping and Rx supplements for covered conditions.
  • Embrace plans’ multi-pet discount may be 5 percent, depending on the state.
  • Embrace accident & illness plans 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. 

5 Reasons To Consider Spot Plans 

1. Embrace plans microchipping 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 of microchipping in all core plans. This extra measure will help provide you with valuable peace of mind, so we’re happy to offer plans with the coverage to pet parents.

To be reimbursed for microchipping 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 make it that simple to get help with providing your pet with the supplements they need to treat covered conditions. 

4. Embrace plans’ multi-pet discount may be 5 percent, 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 customers 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. 

Insurance Plan Coverages

Preventive Care Option

Exam Fees

30-Day Money Back Guarantee

Prescription Diets & Dietary Supplements

Microchip

Embrace

/ Included Not included or some inclusions

Comparison information is provided using publicly available information as of 10/26/2022 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 are 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 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 service@customer.spotpetins.com.

happy dog hearts

Kitten and Puppy Accident
& Illness Insurance Plan

The Spot treatment

At Spot, we’re believers 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 just play all day with your pets with less worry.You love your routine with your pets, so Spot is here to support that routine. 

Competitor comparison information:

Comparison information is provided using publicly available information as of 3/24/22 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 are 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 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 service@customer.spotpetins.com.

Sources:

Bone Diseases of Growing Dogs | VCA Animal Hospitals

The Incredible Journey: Microchip ID Reunites Owners with Cat–13 Years Later | Scientific American

Vaccinations for Your Pet | ASPCA

*Discount applies to lower premiums.
** Not available in New York. Must have not filed any claims within the 30 day period to be eligible for money back.