Spot vs Embrace: Pet Insurance Plan Comparison
At Spot, we're happy to compare ourselves to others, because we're confident in the ways our product outperforms the rest! Here, we take a look at what you get with a Spot Pet Insurance plan vs an Embrace Pet Insurance plan.
See How Spot Stacks Up
At Spot, we're all about what goes into your coverage. Together with our underwriter, United States Fire Insurance Company, we think we provide some best-in-show-coverage. Here are some of the ways Embrace Pet Insurance differs from Spot:
- Embrace requires additional fees to get coverage for microchipping and supplements.
- Embrace multi-pet discount may only be 5%, depending on the state.
- Embrace limits new enrollments to pets under 14 years old.
- Embrace has a 6-month waiting period on orthopedic conditions unless customers complete an exam and waiver process.
Check out our comparison chart for a quick look at our key differentiators from Embrace, or keep scrolling down for a fuller comparison of Spot and Embrace.
*Preventive Care available as an add-on to base plan for a little extra cost.
Comparison information is provided using publicly available information as of 8/7/2020 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 service@customer.spotpetins.com.
Reimbursement Percentage
After the deductible is met, we will reimburse a percentage of covered expenses according to the reimbursement percentage you select.
Unlimited Annual Limit
With this option, once you hit your deductible, there is no cap on your annual claim limit.
Preventive Care Option
Treatment for the purpose of avoiding an illness or injury or for the promotion of general health, where there is no underlying illness, injury, or symptoms. Dental cleaning, wellness exams, deworming, flea / heatworm prevention, fecal and blood test, and more! SPOT preventive care is an optional add-on for extra cost.
One Annual Deductible
Spot allows you to select from a range of deductible amounts, ranging from $100 to $500. Once you meet your annual deductible, we will reimburse a percentage of covered expenses according to the reimbursement percentage you select.
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, an additional monthly fee is required.
Lab tests, X-rays, Hospitalization, Surgery, Diagonostics, etc.
Spot even backs you for the most expensive procedures for covered conditions. Alternative therapies needed to treat a covered condition and chronic conditions are covered.
Therapeutic Diets
A food that is prescribed by your veterinarian to treat a covered condition,
with guaranteed analysis and safety standards. We don't
cover the following therapeutic 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.
Dietary Supplements
A dietary supplement, vitamin, probiotic, or nutraceutical with
guaranteed analysis and safety standards prescribed by your veterinarian to treat a covered condition.
We don't cover the following dietary supplements: herbs, general
health maintenance vitamins or supplements, or
weight loss supplements, even if prescribed or
dispensed by a veterinarian.
*Petplan covers prescription supplements
Alternative Therapies
There are all sorts of alternative therapies now available for pets, such as acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy. Spot On Coverage can reimburse you for alternative therapies your pet might need to treat a covered condition.
Behavorial Issues
This coverage can help with the costs of veterinary
visits for concerning behaviors that may be related
to anxiety or compulsive behavior, like excessive
licking, fur pulling, and destruction of the home.
ral issues
*Trupanion behavioral issues are at an additional fee.
**Petplan only covers up to $1k towards behavioral issues each year.
Dental Illness
We cover treatments for dental illnesses if you enroll in an accident & illness plan, and our plans cover tooth extraction for accidents.
Chronic Conditions
These are conditions that need care across multiple plan periods, such as diabetes and cancer. With Spot On Coverage, you don’t have to worry about a condition becoming ineligible for coverage just because it is ongoing.
Hereditary and Congenital Conditions without limitations
This coverage is for the costs of inherited
conditions and birth defects that don’t show
symptoms until later in your pet’s life, like heart
disease, IVDD, eye disorders, and hip dysplasia.
Any US Licensed Vet, Specialist, or Emergeny Clinic
Spot understands the importance of timing, which is why we're proud to offer you coverage at any licensed vet, emergency clinic or specialist in the US.
Microchip
Your policy covers microchip implantation by a veterinarian; not any associated fees for registration, monitoring, or renewal.
No Vaccination Requirements for Coverage of Certain Conditions
No vaccination requirements to be eligible for enrollment or coverage.
Multiple Pet Discount
Insure one, discount the rest. Spot provides a 10% discount for every additional pet insured.
Age Limits for Illness Coverage Enrollment
Tired of being told no? Spot doesn't place an upper age limit on coverage.
Accident Only Plan Available for All Pets
Maybe you're interested in just covering against hefty vet bills for unexpected accidents. We've got coverage for that, too.
Prescription Medication
SPOT Pet Insurance plans cover prescription medications as part of accident and illness coverage.
There is no list of covered medications.
*Prescription medication is an optional add on for Pets Best
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 approved or paid. Not available in NY.
Let's get your
pet covered.
Tell us more so we can fetch
a great plan for you.
5 Reasons to Consider Spot over Embrace
1. Embrace Microchipping Coverage is an Extra Cost
Microchipping is an important measure that helps pet parents protect their pets from being lost. Microchipping may cost between $30 - $50, and Spot includes coverage of microchipping in all core plans so that pet parents have access to this safety measure. To be reimbursed for microchipping with an Embrace plan, you need to have their Wellness Rewards, which is an additional cost on top of your Accident & Illness premium.
2. Embrace Has an Upper Age Limit
Embrace will not enroll new dogs or cats that are 14 years old or above. While older pets are likely to have more pre-existing conditions that won't be covered if they are enrolled later in life, we still want the decision to get pet insurance to belong to the pet parent. With that, Spot has no upper age limits for enrollment and only requires pets not be under the age of 8 weeks to sign up.
3. Embrace Coverage for Supplements is an Additional Cost
To be eligible for coverage of supplements or prescriptions with an Embrace policy, you need to purchase their Wellness Rewards. Spot policyholders are eligible for reimbursement of supplements and prescriptions to treat covered conditions with a base Accident-Only or Accident & Illness Plan.
4. Embrace Multi-Pet Discount isn't 10% in All States
Embrace offers a multi-pet discount, but it may only be 5% off depending on the state you live in. Spot's multi-pet discount is 10% off added policies in all 50 states.
5. Embrace has a 6-Month Orthopedic Waiting Period
While Spot and Embrace share the same 14-day waiting period for Accident & Illness Coverage, Embrace doesn't extend this to orthopedic conditions (which include hip dysplasia, ligament tears, intervertebral disc disease, arthritis, and bone fractures and cancers). To have the 6-month waiting period reduced, customers need to have an orthopedic exam performed by their vet within the first 14 days of their policy activation. The exam is not covered by Embrace unless the customer has added Embrace Wellness Rewards to their policy. At Spot, orthopedic conditions are given the same 14-day waiting period without any exam needed.
*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.
