In This Review: Spot Overview | Embrace Overview | Plans & Pricing | Deductibles & Claims | Verdict
Pet insurance seemed to take the world by storm, finally providing a safety net for domestic pet medical care. But with the ever-expanding options, how do you know what company would be worth it?
Two major pet insurance companies exist: Spot and Embrace. We think both companies are reputable, offering appropriate options for owners. Let’s get into the plans and what each company offers. Which will be best for your pet?
Most Customizable
Our rating: 4.4 / 5
Compare Spot Plans
Best Deductibles
Our rating: 4.5 / 5
Compare Embrace Plans
Company Name Spot Embrace
Pets Covered Dogs/Cats Dogs/Cats
Types of Plans Customizable Customizable
Deductibles $100-$500 $200
Reimbursement 50%-70% 80%
Additional Perks Employee Benefits Program Multipet, military, multi-pet discount
Brief Overview of Spot
Get Your Spot QuotePros
Fast quote
Several discount options
Employee benefits program for companies
30-day money back guarantee
Great incentives
Cons
Low reimbursement rates
Spot pet insurance tries to keep things simple with a reimbursement plan. Basically, you cover the forecast at the veterinary clinic and are reimbursed for a portion of the expenses afterward. To do this, you must file a claim.
Most Customizable
Our rating: 4.4 / 5
Compare Spot Plans
Best Deductibles
Our rating: 4.5 / 5
Compare Embrace Plans
Most Customizable
Our rating: 4.4 / 5
Compare Spot Plans
Best Deductibles
Our rating: 4.5 / 5
Compare Embrace Plans
Most Customizable
Our rating: 4.4 / 5
Compare Spot Plans
Our rating: 4.4 / 5
Best Deductibles
Our rating: 4.5 / 5
Compare Embrace Plans
Our rating: 4.5 / 5
Get Your Spot Quote
Pros
Fast quote
Several discount options
Employee benefits program for companies
30-day money back guarantee
Great incentives
Cons
Low reimbursement rates
Fast quote
Several discount options
Employee benefits program for companies
30-day money back guarantee
Great incentives
- Fast quote
- Several discount options
- Employee benefits program for companies
- 30-day money back guarantee
- Great incentives
Low reimbursement rates
- Low reimbursement rates
At this time, Spot Pet Insurance only offers coverage to dogs and cats. You can sign your dog or cat up any time after 8 weeks; they never have an upper age limit. So, if you have a senior, they won’t turn you away.
Spot offers 10% off of each additional pet that’s added. So, if you run a multi-pet household, you can protect all your buddies and financially benefit.
Spot can transfer insurance policies if you rehome your pet. So, if, for unforeseen circumstances, you need to rehome your pet, the new owner can take over the policy to continue the protection.
Spot has an online app to access all information. You can make policy changes, chat with customer service representatives, and view your account history.
You can receive Fast insurance quotes online. So you don’t have to go through the hassle of wondering if you’ve been approved. All-in-all we think Spot is a pretty good deal.
Brief Overview of Embrace
Get Your Embrace QuotePros
Offers many ways to save
Deductible lowers when you don’t use policy
Comprehensive plans
Tons of customer support
Cons
Wellness Rewards points do not roll over
Embrace Pet Insurance provides comprehensive plans for making arrangements for emergency care. It’s all about the unexpected and being prepared. It has plenty of available options for owners of dogs and cats.
Get Your Embrace Quote
Pros
Offers many ways to save
Deductible lowers when you don’t use policy
Comprehensive plans
Tons of customer support
Cons
Wellness Rewards points do not roll over
Offers many ways to save
Deductible lowers when you don’t use policy
Comprehensive plans
Tons of customer support
- Offers many ways to save
- Deductible lowers when you don’t use policy
- Comprehensive plans
- Tons of customer support
Wellness Rewards points do not roll over
- Wellness Rewards points do not roll over
At this time, Embrace does not offer insurance for other domesticated animals in the home. However, with the company’s growth, that could change in the future.
Embrace offers up to 90% reimbursement. According to the company, they paid out 92% of all claims submitted. However, depending on the claim, they can pay back as low as 60-70%.
You can visit any licensed vet with Embrace insurance, so there is total freedom to choose the vet you love—and not adhere to a list of specific vets.
Customizations you control, picking features like annual maximum, annual deductible, and reimbursement percentage—per the website.
Unlike some other insurance companies, Embrace covers behavioral issues. So, if you are having problems with training and need a little help getting your dog on track,
We love that Embrace offers a 30-day money back guarantee. That way, you can check out their services and cancel at any time with no obligation.
Deductibles decrease when you don’t use your plan, but is this an upside The entire reason you want coverage is for the convenience of
Embrace offers a 24/7 Pet Telehealth line. So, you have access to real professionals around the clock to advise you about your pet.
Other Top Rated Pet Insurance Companies
Most Affordable
Our rating: 4.6 / 5
COMPARE QUOTES
Best Wellness Plans
Our rating: 4.0 / 5
COMPARE QUOTES
Best Holistic Coverage
Our rating: 4.2 / 5
COMPARE QUOTES
Spot vs. Embrace: Plans Available
Both Embrace and Spot have customizable plans based on your dog’s age, sex, and condition at the time of sign-up.
Most Affordable
Our rating: 4.6 / 5
COMPARE QUOTES
Best Wellness Plans
Our rating: 4.0 / 5
COMPARE QUOTES
Best Holistic Coverage
Our rating: 4.2 / 5
COMPARE QUOTES
Most Affordable
Our rating: 4.6 / 5
COMPARE QUOTES
Best Wellness Plans
Our rating: 4.0 / 5
COMPARE QUOTES
Best Holistic Coverage
Our rating: 4.2 / 5
COMPARE QUOTES
Most Affordable
Our rating: 4.6 / 5
COMPARE QUOTES
Our rating: 4.6 / 5
Best Wellness Plans
Our rating: 4.0 / 5
Our rating: 4.0 / 5
Best Holistic Coverage
Our rating: 4.2 / 5
Our rating: 4.2 / 5
Company Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Learn More
Spot $34.60 $18.94 Click to Get Quote
Embrace $44.09 $25.92 Click to Get Quote
Spot
You can get insurance plans for as little as $17 a month. Total costs are based individually based on factors like age, weight. That number can fluctuate based on a variety of factors. That’s why it’s best to get a personalized quote tailored to your specific pet.
One interesting thing about Spot is that they will cover certain conditions other companies won’t. Anytime your pet has ever had a medical injury or illness, your veterinarian documents it. If an insurance company thinks that they have a preexisting condition, it will not be covered.
With Spot, they will not consider the condition pre-existing if your pet has been symptom-free for 180 days.
Covered
Alternative therapy
Death expenses
IV fluids and medications
Medical supplies
MRI and CT scan
Poison control consultant
Stem cell therapy
Supplement
Surgery
Hospitalization
Tooth extractions
Veterinary treatment
Microchip
Not Covered
Pre-existing conditions
Cosmetic surgeries
Anal gland expression
Breeding, pregnancy, whelping
Boarding
Cosmetic and elective prostheses or procedures
Experimental treatments
House call fees
Illness and injury from you or a family member
Prescription diets
Preventative care
Supplements and vitamins
Embrace
A unique thing about Embrace Pet Insurance is that they offer accident-only plans and other specially tailored setups to make sure you’re getting the best coverage possible. $30 to $40.
Alternative therapy
Death expenses
IV fluids and medications
Medical supplies
MRI and CT scan
Poison control consultant
Stem cell therapy
Supplement
Surgery
Hospitalization
Tooth extractions
Veterinary treatment
Microchip
- Alternative therapy
- Death expenses
- IV fluids and medications
- Medical supplies
- MRI and CT scan
- Poison control consultant
- Stem cell therapy
- Supplement
- Surgery
- Hospitalization
- Tooth extractions
- Veterinary treatment
- Microchip
Pre-existing conditions
Cosmetic surgeries
Anal gland expression
Breeding, pregnancy, whelping
Boarding
Cosmetic and elective prostheses or procedures
Experimental treatments
House call fees
Illness and injury from you or a family member
Prescription diets
Preventative care
Supplements and vitamins
- Pre-existing conditions
- Cosmetic surgeries
- Anal gland expression
- Breeding, pregnancy, whelping
- Boarding
- Cosmetic and elective prostheses or procedures
- Experimental treatments
- House call fees
- Illness and injury from you or a family member
- Prescription diets
- Preventative care
- Supplements and vitamins
But you can also choose from a wide selection of other plans you can tailor yourself.
Covered
Exam and consultation fees
Diagnostic tests
Procedure and treatment
Emergency and specialty care
Surgery and hospitalization
Behavioral therapy
Follow-up care
Prescription medications
Not Covered
Pre-existing conditions
Breeding, whelping, pregnancy
DNA testing
Cloning
Deliberate injury to pets
Illness from fighting or play
Cosmetic procedures
Avian flu
Nuclear war
Routine vet care
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Spot vs. Embrace: Reimbursements and Deductibles
If you are paying monthly or annually for pet insurance, you need it to be worth the money.
Exam and consultation fees
Diagnostic tests
Procedure and treatment
Emergency and specialty care
Surgery and hospitalization
Behavioral therapy
Follow-up care
Prescription medications
- Exam and consultation fees
- Diagnostic tests
- Procedure and treatment
- Emergency and specialty care
- Surgery and hospitalization
- Behavioral therapy
- Follow-up care
- Prescription medications
Pre-existing conditions
Breeding, whelping, pregnancy
DNA testing
Cloning
Deliberate injury to pets
Illness from fighting or play
Cosmetic procedures
Avian flu
Nuclear war
Routine vet care
- Pre-existing conditions
- Breeding, whelping, pregnancy
- DNA testing
- Cloning
- Deliberate injury to pets
- Illness from fighting or play
- Cosmetic procedures
- Avian flu
- Nuclear war
- Routine vet care
Find The Best Pet Insurance Companies in 2023
Click to Compare Plans
Find The Best Pet Insurance Companies in 2023
Click to Compare Plans
Find The Best Pet Insurance Companies in 2023
Click to Compare Plans
Find The Best Pet Insurance Companies in 2023
Find The Best Pet Insurance Companies in 2023
Click to Compare Plans
Click to Compare Plans
% of Medical Expenses
70%
80%
90%
Annual Deductible Options
$100
$250
$500
$750
$1,000
Maximum Coverage Options
$2,500
$4,000
$5,000
$7,000
$10,000
Unlimited
Spot offers a 30-day money back guarantee. If you want to try out their insurance services and aren’t fully satisfied, you can cancel anytime. Also, Spot has no type of incident or lifetime caps.
70%
80%
90%
- 70%
- 80%
- 90%
$100
$250
$500
$750
$1,000
- $100
- $250
- $500
- $750
- $1,000
$2,500
$4,000
$5,000
$7,000
$10,000
Unlimited
- $2,500
- $4,000
- $5,000
- $7,000
- $10,000
- Unlimited
Spot offers up to 90% reimbursement on vet costs.
% of Medical Expenses
70%
80%
90%
Annual Deductible Options
$200
$300
$500
$750
$1,000
Maximum Coverage Options
$5,000
$8,000
$10,000
$15,000
$30,000
Embrace pet insurance offers a yearly deductible. That way, you are only charged once, and you can enjoy the full coverage of your pet insurance per your policy.
$200
$300
$500
$750
$1,000
- $200
- $300
- $500
- $750
- $1,000
$5,000
$8,000
$10,000
$15,000
$30,000
- $5,000
- $8,000
- $10,000
- $15,000
- $30,000
Embrace offers a steady deductible of $200. However, those numbers can change based on individual factors. They generally pay out roughly 80% of claims submitted.
Wellness Rewards reimburse for wellness exams, spay and neuter, grooming, teeth, nutrition, and parasite prevention.
Spot vs. Embrace: Additional Perks
There are a few additional perks to consider when deciding between these companies.
Spot offers an employee benefits program. If you are a company, or you can make a suggestion to your company, this can provide savings on vet costs. Your employees can receive up to a 20% discount at the vet.
Wellness Rewards is a reimbursement plan available outside of regular pet insurance. The only downfall is that you can’t roll over rewards when a year refreshes.
Embrace also offers a Healthy Pet Deductible. This service is where your deductible lowers to $50 each year that you don’t receive reimbursement.
Embrace also offers a 10% multi-pet discount and a 5% military discount.
Company Verdict: Which One Has the Edge?
Customer Service📞
Edge: Embrace
On Embrace’s website, you can get in touch through phone and fax options. They also have an online portal to access your plan and extra features.
On Spot’s website, they only have a customer service phone number.
Price of Plans💲
Edge: Spot
Spot is cheaper than Embrace most of the time, though they can have higher annual deductibles.
Areas of Coverage🌐
Embrace covers all territories of care. Plus, dogs can be enrolled all the way up to 15 years old, too! That’s a real deal.
Perks📱
Embrace out numbers Spot with the additional perks they offer. But we do expect Spot to grow options as the company expands.
Find The Best Pet Insurance Companies in 2023
Click to Compare Plans
Conclusion
Pet insurance companies keep getting more creative and comprehensive with their policies. In the future, both of these companies are likely to expand, offering even more options.
Find The Best Pet Insurance Companies in 2023
Click to Compare Plans
Find The Best Pet Insurance Companies in 2023
Click to Compare Plans
Find The Best Pet Insurance Companies in 2023
Find The Best Pet Insurance Companies in 2023
While we loved both companies for different reasons, Embrace is our favorite. Keep in mind, Spot is cheaper, and they have higher payout rates than their competitor.
Sources
https://spotpetins.com/pet-insurance-to-love/?utm_source https://www.embracepetinsurance.com/contact-us
Pet Keen acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.
Sources
https://spotpetins.com/pet-insurance-to-love/?utm_source https://www.embracepetinsurance.com/contact-us
- https://spotpetins.com/pet-insurance-to-love/?utm_source
- https://www.embracepetinsurance.com/contact-us
Pet Keen acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.
Pet Keen acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.
Pet Keen acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.
- Pet Keen acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.
