Spot offers better pet insurance than Embrace overall, ranking sixth nationally for dogs and second for cats compared to Embrace's 13th and 14th place finishes. Spot consistently scores higher across our affordability, customer experience and coverage categories, making it the ideal choice for pet owners who value lower rates, better service or broader financial protection.
Spot vs. Embrace Pet Insurance
Updated: January 22, 2026
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Spot vs. Embrace Pet Insurance: Key Takeaways
Spot offers cheaper pet insurance than Embrace, with monthly premiums of $30 for middle-aged cats and $49 for middle-aged dogs, while Embrace charges $46 and $77 respectively.
Spot has superior customer service than Embrace, maintaing a 4.7 out of 5.0 Trustpilot score, A+ BBB rating and 45% positive sentiment from Reddit for its straightforward claims process and quick reimbursements.
Spot has better pet insurance coverage than Embrace, featuring a shorter waiting period for its curable conditions clause and no upper age limits for enrollment.
Is Spot or Embrace Pet Insurance Better?
| Cat | Affordability | Spot | 4 | 14 |
| Dog | Affordability | Spot | 9 | 12 |
| Cat | Coverage | Spot | 8 | 10 |
| Dog | Coverage | Spot | 8 | 10 |
| Cat | Customer Experience | Spot | 2 | 6 |
| Dog | Customer Experience | Spot | 2 | 6 |
| Cat | Overall Score | Spot | 2 | 14 |
| Dog | Overall Score | Spot | 6 | 13 |
How We Decided the Winning Pet Insurance Provider
All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Learn more about the best pet insurance options for your pet across different situations:
Spot and Embrace Comparison by State
We found that Spot is the best pet insurance company in all 50 states for both dogs and cats, consistently outranking Embrace across the country.
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How We Decided the Winning Pet Insurance Provider by State
All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Spot vs. Embrace Pet Insurance Cost
Spot has more affordable pet insurance than Embrace across all age categories for dogs and cats, with senior dog owners saving the most at 38% annually. Middle-aged dog owners also see substantial savings of 36% with Spot compared to Embrace.
Learn how much pet insurance costs across different age categories below.
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| Kittens | Spot | $14 | 35% |
| Young Cats | Spot | $19 | 32% |
| Puppies | Spot | $25 | 23% |
| Middle Aged Cats | Spot | $30 | 35% |
| Young Dogs | Spot | $32 | 28% |
| Middle Aged Dogs | Spot | $49 | 36% |
| Senior Cats | Spot | $72 | 26% |
| Senior Dogs | Spot | $118 | 38% |
How We Decided the Winning Pet Insurance Provider
All rates presented here were based on averages for pricing for Labrador Retrievers and Ragdolls from the age of less than 1 years old up to 20 years of age across 50 states.
Spot vs. Embrace Pet Insurance Cost by State
Between Spot and Embrace, Spot offers the cheapest pet insurance rates across all 50 states and every age category. Arkansas has the lowest rates for both providers, though Spot maintains its cost advantage even in this budget-friendly state.
- Kittens: Spot charges $9 monthly in Arkansas, while Embrace costs $14, saving you 34% with Spot.
- Puppies: Arkansas puppy owners pay $17 monthly with Spot compared to Embrace's $22 for about 23% savings.
- Young cats: Spot's $13 monthly rate in Arkansas beats Embrace's $19 by 31%.
- Young dogs: Spot costs $22 monthly in Arkansas versus Embrace's $30, giving you 27% savings.
- Middle-aged cats: Spot charges $20 monthly for middle-aged cats in Arkansas, while Embrace costs $31—a 32% difference.
- Middle-aged dogs: At $33 monthly, Spot saves you 36% compared to Embrace's $51 monthly in Arkansas.
- Senior cats: Embrace charges $65 monthly in Arkansas, but Spot's $50 rate cuts your costs by 23%.
- Senior dogs: In Arkansas, the savings jump to 38% with Spot ($80 monthly) versus Embrace ($128 monthly).
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Middle Aged Dogs
| Alabama | Spot | $36 | 36% |
| Alaska | Spot | $48 | 36% |
| Arizona | Spot | $59 | 36% |
| Arkansas | Spot | $33 | 36% |
| California | Spot | $61 | 37% |
| Colorado | Spot | $61 | 37% |
| Connecticut | Spot | $56 | 36% |
| Delaware | Spot | $49 | 36% |
| Florida | Spot | $55 | 36% |
| Georgia | Spot | $44 | 36% |
| Hawaii | Spot | $49 | 36% |
| Idaho | Spot | $49 | 36% |
| Illinois | Spot | $60 | 36% |
| Indiana | Spot | $44 | 37% |
| Iowa | Spot | $41 | 37% |
| Kansas | Spot | $44 | 36% |
| Kentucky | Spot | $39 | 37% |
| Louisiana | Spot | $39 | 36% |
| Maine | Spot | $59 | 37% |
| Maryland | Spot | $48 | 37% |
| Massachusetts | Spot | $63 | 37% |
| Michigan | Spot | $49 | 36% |
| Minnesota | Spot | $51 | 36% |
| Mississippi | Spot | $41 | 37% |
| Missouri | Spot | $38 | 36% |
| Montana | Spot | $41 | 36% |
| Nebraska | Spot | $44 | 36% |
| Nevada | Spot | $50 | 36% |
| New Hampshire | Spot | $56 | 37% |
| New Jersey | Spot | $55 | 37% |
| New Mexico | Spot | $43 | 36% |
| New York | Spot | $53 | 36% |
| North Carolina | Spot | $43 | 37% |
| North Dakota | Spot | $37 | 36% |
| Ohio | Spot | $45 | 37% |
| Oklahoma | Spot | $41 | 36% |
| Oregon | Spot | $61 | 37% |
| Pennsylvania | Spot | $51 | 37% |
| Rhode Island | Spot | $43 | 36% |
| South Carolina | Spot | $46 | 37% |
| South Dakota | Spot | $43 | 36% |
| Tennessee | Spot | $45 | 36% |
| Texas | Spot | $52 | 36% |
| Utah | Spot | $47 | 37% |
| Vermont | Spot | $45 | 36% |
| Virginia | Spot | $52 | 37% |
| Washington | Spot | $56 | 37% |
| West Virginia | Spot | $42 | 37% |
| Wisconsin | Spot | $52 | 36% |
| Wyoming | Spot | $45 | 37% |
How We Decided the Winning Pet Insurance Provider by State
All rates presented here were based on average pricing for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll.
Spot vs. Embrace Pet Insurance Discounts
Spot offers more pet insurance discounts than Embrace, with three available savings opportunities compared to Embrace's two. Both providers offer a 10% multi-pet discount, but Spot pulls ahead with exclusive savings for AAA members, Blue Cross Blue Shield members and employees of participating companies. Embrace counters with a 5% military discount that Spot doesn't match, making it the better choice for service members.
Multiple pets | Save 10% on each additional pet’s premium when multiple pets are enrolled. | 10% off when you insure two or more pets on separate policies. |
Association | Members of American Automobile Association (AAA) and Blue Cross Blue Shield receive 10% discount on pet insurance. | None. |
Employer group plan | Get 10% off for joining a participating employer's group plan. | None. |
Military | None. | Active or former member of the U.S. Air Force, Army, Marines, Navy or Coast Guard save 5% on pet insurance. |
Spot vs. Embrace Pet Insurance Customer Experience
Spot delivers better customer experience than Embrace, ranking second in our national ranking, while Embrace trails behind by four spots. Both companies hold A+ ratings from the Better Business Bureau, but Spot's higher Trustpilot score and positive sentiment on Reddit reflects stronger customer satisfaction with claims processing and support.
Spot vs Embrace Trustpilot ratings
Spot earns a 4.7 out of 5.0 Trustpilot rating compared to Embrace's 4.1 out of 5.0, with customers praising Spot's fast claim reimbursements (often within days) and straightforward mobile app submission process. Embrace receives positive feedback for compassionate customer service and quick claim processing but faces criticism for premium increases at renewal and pre-existing condition denials.
Spot vs Embrace BBB ratings
Spot holds an A+ BBB rating, which is similar to Embrace's A+ rating, the highest grade available, indicating both companies meet BBB's standards for trust and business practices. Spot earned BBB accreditation in 2020, while Embrace has maintained its accredited status since 2006, showing over 18 years of commitment to resolving customer concerns.
Spot vs Embrace Pet Insurance Reddit Sentiment
Based on our Reddit analysis, Spot achieves 45% positive sentiment from 29 total comments, while Embrace receives 29% positive feedback from 21 comments. Redditors praise Spot's straightforward claims process and quick reimbursements, while appreciating its no-age-limit coverage for senior pets. Embrace users value the company's responsive customer service and comprehensive coverage for dental illnesses and hereditary conditions but criticize steep annual premium increases and strict pre-existing condition denials.
Spot vs. Embrace Pet Insurance Coverage
Spot provides better pet insurance coverage for dogs and cats than Embrace, leading ahead by two spots in our study. Both companies have nearly identical coverage options, though Spot wins by having no upper age limits for enrollment and a shorter waiting period for its curable conditions clause.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ | ✓ |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $250, $500, $750, $1,000 | $100, $250, $500, $750, $1,000 | |
$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited | $2,000, $5,000, $8,000, $10,000, $15,000, Unlimited | |
70%, 80%, 90% | 70%, 80%, 90% | |
14 days for accidents, illnesses and orthopedic conditions | No waiting period for accidents, 14 days for illnesses, 6 months for orthopedic conditions | |
Age restrictions | No upper age limits for enrollment | Limits 15-year-old pets and older to accident-only plans |
Pre-existing conditions | Curable pre-existing conditions may be covered after 180 symptom-free days | Curable pre-existing conditions covered after 12 months of being symptom-free |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Spot vs. Embrace Wellness Plans
Both Spot and Embrace offer optional wellness plans to cover routine care, but Spot provides two fixed-tier options while Embrace offers three customizable reimbursement levels. The table below breaks down how each company structures its wellness coverage and what you'll pay for routine pet care.
- Gold wellness plan: Provides up to $250 in annual benefits for dental cleaning, wellness exams, vaccines, heartworm tests, deworming and fecal tests.
- Platinum wellness plan: Covers all Gold benefits, plus spay/neuter procedure, additional vaccines, health certificates, urinalysis, blood tests and flea/heartworm prevention with higher reimbursements.
- $300 Tier: Reimburses up to $300 annually and offers flexible coverage without service-specific caps, allowing you to allocate funds toward any eligible preventive care including wellness exams, vaccinations, dental cleanings, flea and tick prevention, grooming and training services.
- $500 Tier: Provides $500 in annual benefits for routine care and preventative services, ideal if your pet visits the vet more frequently.
- $700 Tier: Offers $700 in annual benefits and provides maximum flexibility for pets requiring extensive preventive care. This tier is best for puppies and kittens who need vaccines, spaying/neutering and special care during their first months.
Spot vs. Embrace Pet Insurance Add-ons
Spot doesn't offer any other optional add-ons to expand your base coverage. Meanwhile, Embrace has an Exam Fees add-on, which reimburses the cost of vet exam fees related to an eligible accident or illness.
Spot vs. Embrace Pet Insurance: Bottom Line
Spot wins against Embrace for pet insurance across the board, delivering better affordability, coverage and customer service. Spot's rates start at $49 per month for middle-aged dogs and $30 per month for cats, which are 35% to 36% less than Embrace's pricing. Spot also has no upper age limits for enrollment and requires a shorter waiting period for its curable pre-existing conditions clause, plus it maintains a 4.7 out of 5.0 rating on Trustpilot.
Compare other major pet insurance companies to determine the best choice for your pet:
Spot vs. Embrace Pet Insurance Comparison: FAQ
Compare Spot and Embrace pet insurance through these common questions:
What is the difference between Spot and Embrace pet insurance?
Spot offers cheaper premiums across all pet ages and maintains a 4.7 out of 5.0 Trustpilot rating, while Embrace holds 4.1 out of 5.0. Spot also has a shorter waiting period for its curable pre-existing conditions clause, plus no upper age limits for enrollment, whereas Embrace has no waiting period for accidents.
Which is cheaper: Spot or Embrace pet insurance?
Spot costs less than Embrace across all age categories for both dogs and cats, with the biggest savings for senior dog owners at 38% annually. Spot also provides savings of 36% for middle-aged dog owners.
Does Spot or Embrace offer better coverage for older pets?
Spot provides better coverage for older pets with no upper age limit and more affordable premiums that increase less steeply as pets age. Senior dog owners save 38% annually with Spot compared to Embrace, paying $118 monthly versus $192.
How do reimbursement rates and deductibles compare between Spot and Embrace?
Both Spot and Embrace offer similar reimbursement rate options (70%, 80%, 90%) and deductible choices ranging from $100 to $1,000, giving you flexibility to customize your plan.
Is Spot or Embrace better for wellness and preventive care coverage?
Spot offers an optional wellness plan with two straightforward tiers (Gold and Platinum) that cover specific preventive care items like vaccinations and dental cleanings. Embrace provides three flexible reimbursement allowances ($300, $500, $700 annually) that let you choose which routine services to cover at higher base premium costs. Spot wins for pet owners who want affordable wellness coverage with clear benefits, while Embrace suits those willing to pay more for customization flexibility.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.