In This Review
Pet insurance has taken the world by storm, as it provides a safety net for owners regarding domestic pet medical care. But with the ever-expanding options, how do you know which company is worth it?
There are two major pet insurance companies: Spot and Embrace. We think that both are reputable and offer appropriate options for owners. Let’s get into the plans and what each company offers. Which will be best for your pet?
| 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
- Fast quote
- Several discount options
- Employee benefits program for companies
- 30-day money-back guarantee
- Great incentives
- Low reimbursement rates
Spot pet insurance tries to keep things simple with a reimbursement plan. Basically, you cover the full cost at the veterinary clinic and are reimbursed for a portion of the expenses afterward. To do this, you must file a claim.
At this time, Spot only offers coverage to dogs and cats. You can sign your pet up any time after 8 weeks; there is not an upper age limit. So, if you have a senior, Spot won’t turn you away.
It also offers 10% off of each additional pet that’s added. 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.
There’s an online app to access all your information. You can make policy changes, chat with customer service representatives, and view your account history. You may even get a gift card when you sign up.
You can receive a fast quote online, so you don’t have to go through the hassle of wondering if you’ve been approved. Overall, we think that Spot is a pretty good deal.
Brief Overview of Embrace
- 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
Embrace Pet Insurance provides comprehensive plans for arranging emergency care. It’s all about the unexpected and being prepared, so it has plenty of options for dog and cat owners. 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.
It offers up to 90% reimbursement and has paid out 92% of all claims submitted. However, depending on the claim, it can pay back as low as 60–70%. You can visit any licensed vet with Embrace, so there is total freedom to choose someone you love and not adhere to a list of specific vets.
There are customizations you can control, including features like annual maximum, annual deductible, and reimbursement percentage. 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, it supports your efforts.
We love that Embrace offers a 30-day money-back guarantee. That way, you can check out its services and cancel at any time with no obligation. Deductibles decrease when you don’t use your plan, which is a positive, as the longer you have it, the cheaper it will be.
Embrace offers a 24/7 pet telehealth line, so you have access to real professionals who can advise you about your pet around the clock.
Other Top-Rated Pet Insurance Companies
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.
| 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 on factors like age and weight, and these can fluctuate. That’s why it’s best to get a personalized quote tailored to your specific pet.
One interesting thing about Spot is that it will cover certain conditions that other companies won’t. Anytime your pet has ever had a medical injury or illness, your veterinarian documents it. So, if an insurance company thinks that they have a preexisting condition, it will not be covered.
Spot will not consider the condition pre-existing if your pet has been symptom-free for 180 days.
- 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
Embrace
A unique thing about Embrace Pet Insurance is that it offers accident-only plans and other specially tailored setups to ensure the best coverage possible. The plans range from $30 to $40.
But you can also choose from a wide selection of other plans that you can tailor yourself.
- 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
Spot vs. Embrace: Reimbursements and Deductibles
If you are paying monthly or annually for pet insurance, you need it to be worth the money.
Spot
- 70%
- 80%
- 90%
- $100
- $250
- $500
- $750
- $1,000
- $2,500
- $4,000
- $5,000
- $7,000
- $10,000
- Unlimited
Spot offers a 30-day money-back guarantee. If you try out its insurance services and aren’t fully satisfied, you can cancel anytime. Also, it has no type of incident or lifetime caps. Spot offers up to 90% reimbursement on vet costs.
Embrace
- 70%
- 80%
- 90%
- $200
- $300
- $500
- $750
- $1,000
- $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. It offers a steady deductible of $200. However, that number can change based on individual factors. Embrace generally pays out roughly 80% of claims submitted. Its 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
Spot offers an employee benefits program. If you are a company or you want to make a suggestion to your employer, this can provide savings on vet costs. Employees can receive up to a 20% discount at the vet.
Embrace
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. With this service, 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. It also has an online portal to access your plan and extra features.
Spot’s website only has a customer service phone number.
Price of Plans
Edge: Spot
Spot is cheaper than Embrace most of the time, though it can have higher annual deductibles.
Areas of Coverage
Edge: Embrace
Embrace covers all territories of care.
Perks
Edge: Embrace
Embrace outnumbers Spot with the additional perks it offers. But we do expect Spot to expand its options as the company grows.
Conclusion
Spot
Embrace
Our Rating
Multi-Pet Discount
Spaying/Neutering
Preventative Care
Chronic Conditions
Pet insurance companies keep getting more creative and comprehensive with their policies. In the future, both Spot and Embrace are likely to expand, offering even more options.
While we love both companies for different reasons, Embrace is our favorite. Keep in mind, though, that Spot is cheaper and has higher payout rates than its competitor.
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