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Spot vs Embrace Pet Insurance Comparison 2026: Which One’s Best?
In This Review:
Every pet owner has unique needs when it comes to pet insurance. Some people prioritize coverage for wellness and routine care, while others want comprehensive coverage that includes accidents and illnesses.
Some people have exotic pets that require specialized care, while others have multiple pets that they want to insure under one plan. No matter what your priorities are, it is important to find an insurance company that can meet your needs.
In this article, we will be comparing two of the most popular pet insurance companies out there: Spot and Embrace. We will explore the pros and cons of each company to help you decide which one is right for you and your pet.
A Quick Comparison
| Company Name: | Spot | Embrace |
| Pets Covered: | Cats and dogs | Cats and dogs |
| Types of Plans: | Accident only, accident and illness, preventative care | Accident and illness, preventative care |
| Deductibles: | $100, $250, $500, $750, and $1,000 | $200, $300, $500, $750, and $1,000 |
| Reimbursement: | 70%, 80%, and 90% | 70%, 80%, and 90% |
| Additional Perks: | Multi-pet discount, employee benefits program | Multi-pet discount, employee benefits program, service member discount, Healthy Pet deductible |
Brief Overview of Spot
Pros
- Unlimited annual coverage option
- No age limit for older animals
- Basic plans cover microchip implantation and exam fees
Cons
- 14-day waiting period for accidents
- No customer service available over weekend hours
Spot Pet Insurance is relatively new to the scene, with operations beginning in 2019. However, the company's policies are underwritten by the United States Fire Insurance Company, founded in 1822.
The USFIC operates from the Crum & Forster Pet Insurance Group and both companies have an 'A' rating from AM Best, so despite Spot being a new company, it's well backed by partners with a long history in the insurance game.
Brief Overview of Embrace
Pros
- Comprehensive preventative care plan
- Free medical history review
- Accepts pets as young as 6 weeks
Cons
- New enrollments must be under 14 years
- $1 per month installment free (waived by paying annually)
- Annual limits are capped at $30,000
Embrace, a Cleveland-based company that was founded in 2003, is one of the oldest firms in the pet insurance sector. For almost two decades, American Modern Insurance Group has worked with Embrace, which is one of the most well-known pet insurance companies.
It also offers a program that donates $2 to charity and animal foundations for every policy sold. The company has been in business for a longer time, so it has had more time to perfect its offerings.
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Spot vs Embrace: Plans Available
| 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 |
Spot
- Accident-only: The most affordable plan in Spot's range, it covers basic accidents such as injuries or toxicities. It doesn't cover illnesses or genetic conditions.
- Accident and illness: This covers the same as the accident-only plan but also includes general illnesses, behavioral problems, dental health, and miscellaneous conditions.
- Gold Preventative Plan: Covers all the above, plus includes routine care such as wellness exams, vaccines, and dental cleaning.
- Platinum Preventative Plan: This covers all that the other plans do but has a higher spending limit for routine care.
Embrace
- Accident and illness plan: One basic plan that covers vet bills, exams, treatments, testing, x-rays, and hospitalization.
- "Wellness Rewards”: For coverage of preventive and routine care, Embrace offers a flexible system so you can choose the coverage you need.
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Spot vs Embrace: Reimbursements and Deductibles
Spot
Spot has very customizable plan options. On top of the standard plans, you can customize the following aspects of your insurance premium:
Embrace
With Embrace, you can choose between five deductibles, five annual coverage limits, and three reimbursement rates. Higher deductibles and low reimbursement may make for a cheaper premium but result in higher costs for you during the claim.
Spot vs Embrace: Additional Perks
Spot
Spot pet insurance offers a variety of perks that are appealing to pet owners. One of the most appealing is their 10% multi-pet discount. This is especially beneficial for pet owners who have multiple pets, as it can help to offset the cost of insuring multiple animals.
In addition, Spot pet insurance includes coverage for microchip implantation and exam fees in standard policies. This is something that is not typically covered by other pet insurance providers, making Spot a more appealing option for pet owners.
Another perk of Spot pet insurance is that they have no age limit on older pets. This is a significant benefit for pet owners who have older animals, as some insurance providers will not cover pets that are over a certain age.
Embrace
Embrace offers a free medical history review upon request. This is a valuable service that can help you understand what your pet's coverage looks like.
Additionally, Embrace offers a 5% discount to service members and a 10% discount to employees of companies that offer the company's employee benefits program.
Additionally, the Healthy Pet Deductible is included with each policy, meaning that you can save $50 each year you don't have to file a claim.
Finally, Embrace has some of the most lenient policy terms in the industry, with only a 2-day waiting period for accidents (14 for illnesses and a lower minimum age of enrollment (6 weeks versus 8 weeks).
Company Verdict: Which One Has the Edge?
Customer Service
Edge: Embrace
When it comes to customer service, both Spot and Embrace offer a variety of options for reaching out. Both companies have website live chat, email, telephone lines, and online forms that customers can use to get in touch.
However, Spot only offers telephone support during business hours, while Embrace offers extended hours on weekdays and Saturdays. In terms of response times, both companies seem to be equally responsive, with most inquiries being answered within 24 hours.
Overall, both Spot and Embrace offer a variety of ways to get in touch, and they seem to be equally responsive to customer inquiries. Embrace gains a slight edge for being contactable on Saturdays.
Price of Plans
Edge: Embrace
Both offer a variety of plans, but there can be significant differences in price. For example, the average cost of an Embrace dog insurance plan is $30–$40 per month, while the average cost of a Spot dog insurance plan is $39.25. For cats, the average cost of an Embrace plan is $15–$20 per month, while the average cost of a Spot plan is $20.02.
Of course, these are just averages, and your actual costs will depend on a variety of factors, including the type of plan you choose and the age and breed of your pet.
These rates are relatively similar, so the value will depend on the extra cover you need. Embrace gets the edge on the price aspect of plans, as their preventative care is adjustable, so you only pay for what you need.
Areas of Coverage
Edge: Spot
Both companies offer coverage for cats and dogs, but there are some important differences to be aware of. For example, Spot policies cover pets from the age of 8 weeks, while Embrace requires that pets be at least 6 weeks old.
In addition, Spot does not impose any age limits on coverage, while Embrace will not cover pets over the age of 14 years.
Spot includes coverage for microchipping and supplements in its basic plans, while Embrace charges additional fees for these services.
Finally, Embrace has a 12-week stand-down period after a diagnosis before alternative therapies can be covered, while there is no such waiting period with Spot.
Perks
Edge: Embrace
Embrace offers a few more perks than Spot. Both have a multi-pet discount, but Embrace also offers a service member discount and a Healthy Pet deductible, so you can save if you make no claims during a year of coverage.
Both companies partner with employers and organizations to offer discounts, but Embrace has a more comprehensive list of partners.
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Conclusion
 |  | |
|---|---|---|
| Our Rating | ||
| Wellness Options | ||
| Microchipping | ||
| Vaccination | ||
| Unlimited Plan | ||
| Compare Quotes | Compare Quotes |
Both pet insurance companies match up in many areas; they both provide comprehensive coverage that is highly customizable. Their price range is also similar.
Spot tops Embrace in their coverage of elderly pets, including microchipping and unlimited annual limits, while Embrace offers more perks and accessible customer service.
Depending on your needs, either company could be a good choice for you. If you want comprehensive coverage and are not concerned about the price, Spot would be a good choice.
If you are looking for value and more accessible customer service, Embrace is a better option.
Hepper 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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After an early start in the veterinary industry and as a conservation educator at Disney’s Animal Kingdom in Florida, Sophie has since been a successful Zookeeper and Conservationist, specializing in native New Zealand species. When she’s not bird watching in native forests or crawling through the underbrush at midnight searching for rare frog species, she can be found with her farmer husband on their sheep and beef station, far from civilization. Alongside them, they have 2 cats, 9 chickens, and 11 dogs (most notably, her sidekick, a black Labrador aptly named Jellybean). Sophie enjoys her writing career as it provides opportunities to help and support pet owners of all kinds to give animals the best welfare possible. The only downside is the long list of strange searches in her internet history!
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