Compare Embrace to Spot Pet Insurance

When considering Embrace vs Spot Pet Insurance, remember three key points: Embrace’s accident coverage has a shorter waiting period; Embrace and Spot Pet Insurance both have preventative care plans, but Embrace’s plan offers a larger reimbursement level; and Embrace’s preventative care plan has no payout limits. By choosing Embrace Pet Insurance, these three advantages can help you build a stronger protection plan for your pet.

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Select the pet insurance providers below to see how Embrace compares to other plans.

Spot Pet Insurance
Plan Features
Waiting Periods 2 Days for Accidents, 14 Days for Illnesses 14 Days
Preventative Care Plan Per-item Limits
Preventative Care Plan Max Reimbursement Level $650 $450
Window to Submit Claims Full Policy Term + 60 Days 270 Days from Office Visit
Dental Coverage Included Yes Accident-Only
Minimum Age of Enrollment Eligibility 6 Weeks 8 Weeks
Diminishing Deductible

7 Reasons to Consider Embrace over Spot Pet Insurance

young woman embracing her dog

1. Spot Pet Insurance Has a Lengthy Accident Coverage Waiting Period.

A waiting period is the period of time at the beginning of your policy when coverage is restricted. All pet insurance companies have waiting periods, including Spot and Embrace. However, Spot Pet Insurance has a 14-day waiting period for all accidents, whereas Embrace Pet Insurance has a two-day waiting period for accidents so your pet will be covered sooner.

2. Embrace’s Preventative Care Plan Offers a Larger Reimbursement Level than Spot.

Wellness Rewards is Embrace’s optional flexible preventative care plan that reimburses you for everyday veterinary, training, and grooming costs. It’s not an insurance policy, but pairs perfectly with your accident and illness policy. Spot offers two levels of care for their preventative care plan, Gold and Platinum. Their Gold plan has a $250 per year reimbursement level, and their Platinum plan goes up to $450 per year. Embrace offers those same levels with an additional third option at $650 per year. That’s one more way of protecting your pet in sickness and in health.

3. Spot’s Wellness Plan Has Payout Limits.

Spot’s preventative care wellness plan offers two coverage options, but applies a payout limit for every expense covered under each plan. For instance, Spot’s Gold plan only reimburses up to $50 per year for a wellness exam, and their Platinum plan only reimburses up to $25 per year for flea and heartworm prevention. Embrace’s Wellness Rewards, a flexible non-insurance preventative care plan that you can purchase in addition to your pet insurance policy, offers three coverage plans, each with a total fixed allowance to use at your discretion on approved preventative purchases, allowing you more freedom to manage your budget.

4. Embrace Gives You More Time to Submit a Claim

With Embrace vs Spot pet insurance coverage, you have your entire policy term plus 60 days after renewal to submit a claim from a licensed vet. Spot will only give you 270 days from the date of your pet’s veterinarian office visit. In other words, you have a lot more wiggle room when filing a claim through Embrace.

5. Embrace’s Dental Coverage Offers Fewer Limitations

Embrace and Spot Pet Insurance both offer dental coverage, but Embrace’s dental illness coverage is some of the best you’ll find anywhere, covering gingivitis, root canals, and periodontal disease including aesthetic, cosmetic, endodontic, or orthodontic services like caps, crowns, crown amputation, fillings, implants, and planing. Spot’s coverage is an accident-only plan, and doesn’t include any of these important procedures as an insurance benefit.

6. Embrace Offers a Diminishing Deductible. Spot Does Not.

Embrace offers its policy holders a Healthy Pet Deductible, where your pet’s annual deductible automatically goes down by $50 each year that you don’t receive an insurance claim reimbursement. The discount program is included in every Embrace policy at no extra charge.

7. Spot’s Accident & Illness Plan Reimburses for Fewer Non-Veterinary Services

Spot’s accident and illness coverage doesn’t reimburse for many non-veterinary services including administrative fees, medical records expenses, medical waste, discount package or membership fees, postage, and tax. These charges would be your responsibility if your cats and dogs were insured by Spot.