Spot vs. Embrace Pet Insurance

Spot delivers better pet insurance coverage for dogs and cats than Embrace, ranking eighth nationally compared to Embrace's tenth place. Spot offers more flexible deductible options ranging from $100 to $1,000, higher annual coverage limits up to unlimited, and faster accident claim processing with shorter waiting periods, while both providers offer comparable 70% to 90% reimbursement rates.

Spot is the best pet insurance company in 4 states for dogs and 3 states for cats. Spot leads dog coverage in California, Florida, Maryland and West Virginia. For cat insurance, Spot ranks first in California, Florida and Massachusetts.

Spot offers cheaper pet insurance rates than Embrace across all age groups for both cats and dogs. Middle-aged dogs cost $49 per month with Spot compared with Embrace's $77 per month. For cats, it's $30 with Spot versus $46 with Embrace.

Learn how much pet insurance costs across different age categories.

Spot offers the cheapest pet insurance rates nationwide, beating Embrace across all 50 states. Spot provides lower prices for every pet category, including middle-aged dogs and cats, making it the clear winner for affordable coverage.

Both Spot and Embrace provide multiple ways to reduce premiums and make coverage more affordable through pet insurance discounts. Below is a comparison of their key discount options.

Spot delivers better customer experience than Embrace, ranking second nationally for both dogs and cats in our study. Embrace falls to eighth place, trailing Spot by six positions in both categories. Both providers maintain A+ BBB ratings, but Spot's 4.7 out of 5.0 Trustpilot score outpaces Embrace's 4.1 rating, showing more consistent customer satisfaction across platforms.

Embrace offers better pet insurance coverage for dogs and cats than Spot, ranking sixth nationally while Spot ranks eighth. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but Embrace has a shorter waiting period for accidents, more coverage selection flexibility and allows pet owners to change their coverage within the first 14 days of purchase.

Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.

Both Spot and Embrace offer optional wellness plans to enhance your pet’s financial protection by covering routine care or other specialized services.

• Optional Preventive Care / Wellness Add-on: Covers routine care such as vaccinations, annual exams, parasite prevention (including flea/tick medication), and health screenings when added to the base plan.
• Behavioral and specialty coverage (varies by policy): Some plans may offer coverage for behavioral diagnosis, specialist care, and other add-ons such as training or alternative therapies.

• Wellness Rewards plan: Offers an annual benefit ($300, $500 or $700) that reimburses exams, dental cleaning, vaccines, blood tests, spay/neuter, microchipping, grooming and training with no deductible.
• Prescription drug coverage (optional or included per plan): Covers prescription medications such as antibiotics, allergy meds, insulin & supplies for covered conditions.

Spot beats Embrace across the board, delivering better affordability, coverage options, and customer service. Spot's rates start at $49 per month for middle-aged dogs and $30 for cats, significantly less than Embrace's pricing. Spot offers comprehensive accident and illness coverage with optional wellness add-ons and faster claim processing. The provider also excels in customer satisfaction with a 4.7 out of 5.0 Trustpilot rating and A+ BBB rating.

Compare Spot and Embrace pet insurance through these common questions:

Evaluating Spot versus Embrace required analyzing both providers under identical conditions and coverage scenarios. We obtained quotes from each company using the same pet profiles and policy specifications listed below.

• $5,000 annual limit
• 80% reimbursement rate
• $500 deductible
• 6-year-old Labrador Retriever for dog coverage
• 7-year-old Ragdoll for cat coverage

MoneyGeek then assessed both companies using three primary factors weighted by their importance in pet insurance decisions.

Affordability (50% of score): We collected quotes across different coverage options and pet ages to analyze actual pricing, including applicable discounts to estimate real monthly premiums.

Customer Experience (30% of score): We examined Trustpilot ratings and conducted sentiment analysis of online reviews to measure customer satisfaction with claims processing and support services.

Coverage (20% of score): We evaluated policy features, waiting periods, and available add-ons to determine which provider offers more comprehensive pet health protection.