Spot vs Embrace: Pet Insurance Plan Comparison
Loving pet owners know there are a lot of different pet insurance companies out there that offer different levels of coverage. Looking for the right pet insurance option for your fur xxb babies can seem overwhelming. However, we’re confident that after you learn more about everything that Spot offers, you’ll see why we’re the leading pet insurance provider.
If you’re deciding between Embrace Pet Insurance Coverage and Spot, you’re probably wondering what the difference is.
At Spot, we don’t shy away from comparison because we are 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.
Between looking at the Embrace Pet Insurance reviews and this easy-to-read pet insurance policy comparison list, you’ll have everything you need to approach those vet bills confidently.
Here’s what you need to know about Spot Pet Insurance and Embrace Pet Insurance.
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.
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 from other pet insurance providers like Embrace Pet? How do these policies differ, and what does each pet insurance cover?
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 percent, depending on the state.
- Embrace limits new enrollments to pets under 14 years old. If your pet is older than that, Embrace will not allow you to enroll for their coverage.
- Embrace has a six-month waiting period on orthopedic conditions unless customers complete an exam and waiver process. You can be in limbo waiting for months — which could be detrimental if your pet needs veterinary care before that six-month period is up.
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. Our comprehensive guide regarding what you need to know about Spot and Embrace will help you make your decision.
*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. 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 includes coverage of microchipping in all core plans. This extra measure will provide you with valuable peace of mind, so we’re happy to offer it 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 Accident & Illness premium.
At Spot, we know that preventative care doesn’t just involve essential vaccinations; microchipping is an integral part of any wellness plan.
2. Embrace has an upper age limit
At Spot Pet Insurance, we passionately believe that all pets should have access to exceptional coverage regardless of their age.
Embrace will not enroll new dogs or cats 14 years old or above.
Although 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 to be older than eight weeks of age. Once your pet is eight weeks old, you’re welcome to enroll in Spot Pet Insurance’s coverage. Getting your pet covered sooner will help ensure that you have the support you need early on in their life.
3. Embrace coverage for supplements is an additional cost
Does your dog or cat currently require supplements to maintain their health? To be eligible for coverage of supplements or prescriptions with an Embrace policy, you need to purchase their Wellness Rewards.
However, Spot takes a holistic approach to pet wellness care. That means that Spot policyholders are eligible for reimbursement of supplements and prescriptions to treat covered conditions with a base Accident-Only or Accident and Illness Plan. Spot Pet Insurance plans make it that simple to provide your pet with the supplements they need to thrive.
4. Embrace multi-pet discount isn't 10 percent in all states
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 only be 5 percent off depending on the state you live in. Spot's multi-pet discount is 10 percent off added policies in all 50 states — customer care that cares.
5. Embrace has a six-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 six-month waiting period reduced, customers need to have an orthopedic exam performed by their vet within the first 14 days of their policy activation. Embrace does not cover the exam 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.
The Spot treatment
At Spot, we’re believers in making pet parenting as easy as possible — while providing your pet with everything they need to thrive. We help pet parents support their cats and dogs by covering wellness exams, spay/neuter, and diagnostic testing.
You can just play all day with your pets without worrying about exam fees or surprise costs. You love your routine with your pets, so Spot is here to support that routine with emergency and routine care.
*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.
