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: June 16, 2026
Advertising & Editorial Disclosure
Spot vs. Embrace Pet Insurance: Key Takeaways
Spot offers cheaper pet insurance than Embrace. Spot charges $30 per month for middle-aged cats and $49 for middle-aged dogs, compared to Embrace's $46 and $77 for the same profiles.
Spot outperforms Embrace on customer service, with a 4.7 out of 5 Trustpilot score, A+ BBB rating and 45% positive Reddit sentiment 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
Scores reflect average pricing and experiences for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, based on a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Compare pet insurance choices tailored to different pets, budgets and coverage goals:
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 offers more affordable pet insurance than Embrace across all age categories for dogs and cats. Senior dog owners save the most, at 38% less annually with Spot, while middle-aged dog owners save 36%.
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
Rates reflect average pricing for Labrador Retrievers and Ragdolls from under 1 year to 20 years of age across all 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 there.
- Kittens: Spot charges $9 per month in Arkansas, while Embrace costs $14, a 34% difference.
- Puppies: Arkansas puppy owners pay $17 per month with Spot compared to Embrace's $22, about 23% less.
- Young cats: Spot's $13 per month rate in Arkansas beats Embrace's $19 by 31%.
- Young dogs: Spot costs $22 per month in Arkansas versus Embrace's $30, a 27% difference.
- Middle-aged cats: Spot charges $20 per month for middle-aged cats in Arkansas, while Embrace costs $31, a 32% difference.
- Middle-aged dogs: At $33 per month, Spot costs 36% less than Embrace's $51 per month in Arkansas.
- Senior cats: Embrace charges $65 per month in Arkansas, while Spot's $50 rate is 23% less.
- Senior dogs: In Arkansas, Spot charges $80 per month versus Embrace's $128, a 38% difference.
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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 | You 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 ranks second in our national customer experience ranking, four spots ahead of Embrace. Both companies hold A+ ratings from the Better Business Bureau, but Spot's higher Trustpilot score and stronger positive sentiment on Reddit reflect greater customer satisfaction with claims processing and support.
Spot vs Embrace Trustpilot ratings
Spot holds a 4.7 out of 5 rating on Trustpilot, compared to Embrace’s 4 out of 5. Customers often highlight Spot’s fast reimbursements, sometimes paid within days, along with its simple mobile app submission process. Embrace also earns praise for compassionate customer service and efficient claims processing. However, some policyholders report concerns about premium increases at renewal and denials tied to pre-existing conditions.
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 for routine care. Spot provides two fixed-tier options while Embrace offers three customizable reimbursement levels. The table below shows how each company structures its wellness coverage and what you'll pay for routine 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 with no service-specific caps, letting you allocate funds toward any eligible preventive care, including wellness exams, vaccinations, dental cleanings, flea and tick prevention, grooming and training.
- $500 Tier: Provides $500 in annual benefits for routine and preventive care, a stronger fit if your pet visits the vet more frequently.
- $700 Tier: Covers $700 in annual benefits with maximum flexibility for pets requiring extensive preventive care. This tier works best for puppies and kittens needing vaccines, spaying or neutering and additional care during their first months.
Spot vs. Embrace Pet Insurance Add-ons
Spot doesn't offer additional add-ons beyond its base coverage. Embrace includes an Exam Fees add-on that reimburses vet exam fees related to an eligible accident or illness.
Spot vs. Embrace Pet Insurance: Bottom Line
Spot beats Embrace across affordability, coverage and customer service. Monthly rates start at $49 for middle-aged dogs and $30 for cats, running 35% to 36% below what Embrace charges. Spot also has no upper age limit for enrollment, a shorter waiting period for its curable pre-existing conditions clause and a 4.7 out of 5.0 Trustpilot rating.
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 Trustpilot rating, while Embrace holds 4 out of 5. 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 reimbursement rate options of 70%, 80% or 90% and deductible choices ranging from $100 to $1,000, giving policyholders flexibility to customize their plan.
Is Spot or Embrace better for wellness and preventive care coverage?
Spot offers an optional wellness plan with two tiers, Gold and Platinum, covering specific preventive care items like vaccinations and dental cleanings. Embrace provides three reimbursement allowances ($300, $500 or $700 annually) that let you choose which routine services to cover, at higher base premium costs. Spot is the stronger fit for pet owners who want affordable wellness coverage with clear benefits, while Embrace suits those who prefer more customization flexibility.
About Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. He sets the research framework, data standards and content structure for his team. All content goes through his accuracy review before publication. Connor also writes in-depth guides and has spent more than four years covering insurance products across personal, commercial and specialty lines.
The research infrastructure Connor built covers auto, home, renters, life, health, business and pet insurance across pricing analysis, carrier research, customer experience and coverage evaluation. It includes over 6 million data points for business insurance across 408 industry areas, all 50 states and 16 vehicle types. The pet insurance side covers over 5 million profiles across 18 major providers, 100+ breeds and ages up to 20 years. Connor’s insurance research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Connor also talks with underwriters and carrier liaisons at Ethos, The Hartford, ERGO NEXT, Nationwide and State Farm, and monitors business and pet owner communities on Reddit. Those sources shape how his team evaluates carriers, structures rate analysis and writes for human buyers rather than search engines.
For questions about MoneyGeek's business and pet insurance content, contact him at connor@moneygeek.com or on LinkedIn.
Sources
- Trustpilot. "Spot Pet Insurance ." Accessed June 22, 2026.
- Trustpilot. "Embrace Pet Insurance ." Accessed June 22, 2026.
- Better Business Bureau. "Spot Pet Insurance Services, LLC." Accessed June 22, 2026.
- Better Business Bureau. "Embrace Pet Insurance." Accessed June 22, 2026.