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 a 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 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 [email protected]
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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.