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Home > Insurance > Spot vs. Embrace Pet Insurance Comparison 2024: Pros, Cons & Verdict

Spot vs. Embrace Pet Insurance Comparison 2024: Pros, Cons & Verdict

spot vs embrace

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
Best Deductibles
Our rating: 4.3 / 5
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

spot pet insurance logo

  • 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 forecast 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 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 may even get a gift card when you sign up.

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

Embrace Pet Insurance

  • 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 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.

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
Best Wellness Plans
Our rating: 4.0 / 5
Best Holistic Coverage
Our rating: 4.3 / 5

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


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.

  • 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


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.

But you can also choose from a wide selection of other plans 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
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

Find The Best Pet Insurance Companies in 2024

Spot vs. Embrace: Reimbursements and Deductibles

If you are paying monthly or annually for pet insurance, you need it to be worth the money.


% 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.

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.

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🌐

Edge: Embrace

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.


Edge: Embrace

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 2024


Spot Embrace Pet Insurance Logo
Spot Embrace
Our Rating
Our Rating:
Our Rating:
Multi-Pet Discount
Multi-Pet Discount:
Multi-Pet Discount:
Preventative Care
Preventative Care:
Preventative Care:
Chronic Conditions
Chronic Conditions:
Chronic Conditions:

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.

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.

See also: 

  • 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.
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