Key Differences
Embrace has a 0-day accident waiting period. Spot's is 14 days in some states and next-day in others.
Spot's annual limit options start at $2,500. Embrace's start at $5,000.
Embrace offers Direct Vet Pay.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Embrace and Spot offer.
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 |
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|---|---|---|
Price: |
Get a Quote | Get a Quote |
Overall Rating: |
|
|
Total Reviews: |
53,681 |
7,931 |
Deductible: |
$100 to $1,000 |
$100, $250, $500, $750 or $1,000 |
Reimbursement: |
70%, 80%, or 90% |
70%, 80%, or 90% |
Annual Limit: |
$2,000 to Unlimited |
$2,500 to Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
0 days |
14 days* |
Illness Waiting Period: |
14 days |
14 days* |
Wellness Waiting Period: |
0 days |
0 days |
Orthopedic Waiting Period: |
Varies by state |
14 days* |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Optional |
Dental Coverage: |
Included |
Limited Coverage |
Exam Fee Coverage: |
Available |
Yes |
Direct Vet Pay: |
Available |
No |
Claims Expiration: |
Within 60 days of renewal to the next term |
Within 270 days of treatment |
Claims Submission App: |
Yes |
Yes |
Embrace Accident and Illness Coverage
Embrace offers accident and illness coverage for dogs and cats. You can customize this coverage to fit your needs and budget.
Deductible Options
$100, $250, $500, $750, or $1,000
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$2,000, $5,000, $10,000, $15,000, $30,000 or Unlimited Annual Limit
What's Covered
Accidents
Breed-specific conditions
Congenital conditions
Chronic conditions
Dental illnesses
Diagnostics
Emergency care
Genetic conditions
Hospitalization
Illnesses
Orthopedic conditions
Prescription medication
Specialist care
Surgery
X-rays
Optional Wellness Rewards
Embrace also offers a non-insurance, optional add-on benefit called Wellness Rewards. Pet parents are reimbursed 100% up to the selected annual allowance. There are three annual allowances: $300, $500, and $700. You can use this wellness allowance for any of the eligible items, including:
Routine exams and vaccinations
Flea, tick, and heartworm medications
Preventative surgery such as spaying, neutering, and gastropexy
Prescription diet food
Grooming and training
Spot Accident and Illness Coverage
Spot offers an accident and illness plan with extensive options to configure your policy to your budget and needs.
Deductible Options
$100, $250, $500, $750, and $1,000
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, or Unlimited
What's Covered
Accidents
Alternative Therapy
Behavioral Issues
Cancer Coverage
Congenital Conditions
Dental Illnesses
Emergency Care
Hereditary Conditions
Hospitalizations
Illnesses
Microchip Implantation
Prescription Medications
Surgery and Specialized Care
X-rays and Tests
Vet Exam Fees
Virtual Vet Visits
Optional Wellness Add-On
Spot offers two optional wellness coverage add-ons to their insurance plan: Gold and Platinum. This optional coverage can reimburse you up to a certain annual amount for select preventative and routine care.
Gold
Dental Cleaning
Wellness Exam
Dog DHLPP or Cat FVRCP Vaccine/Titer
Dog Heartworm or Cat FELV Test
Rabies and/or Dog Lyme or Cat FIP Vaccine/Titer
Deworming
Fecal Test
Platinum
Spay/Neuter OR Dental Cleaning
Wellness Exam
Dog DHLPP or Cat FVRCP Vaccine/Titer
Dog Heartworm or Cat FELV Test
Rabies and/or Dog Lyme or Cat FIP Vaccine/Titer
Deworming
Fecal Test
Flea/Heartworm Prevention
Health Certificate
Dog Bordetella or Cat FELV Vaccine/Titer
Urinalysis
Blood Test
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for Embrace and Spot.
Embrace Claims Details
You can use Embrace’s website or app to submit your claims directly. Alternatively, you can also fax, mail, or email your claim form with the invoice(s) within 60 days of renewal to the next term.
Direct deposit option for receiving reimbursements
Trackable claim status using the app
Claims are processed in 10-15 business days
View an Embrace Pet Insurance sample policy.
Spot Claims Details
You can use Spot’s app or website to submit your claims directly. Alternatively, you can fax, mail, or email your claim form with invoice(s) within 270 days from the date of treatment.
Offers direct deposit as a reimbursement option
Convenient claims submission using the Spot Pet Insurance app
Claims are processed within 5-7 days on average
Our Embrace vs. Spot Review
Embrace and Spot offer coverage for accidents, illnesses, and various health issues. Both providers offer an optional wellness coverage add-on.
Embrace and Spot offer options for deductibles, reimbursement rates, and annual limits. Overall, both providers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
