You wouldn’t blindly select a health insurance plan for you or your family. Your dog or cat also deserves the best plan available based on their needs, conditions, and other personalized factors. On top of that, a plan should fit your budget and offer strong, reliable service.
Maybe you’ve done some research already, and now it’s down to a series of side-by-side comparisons. We’ve put in the legwork and narrowed our options to two contenders: Spot Pet Insurance vs. Embrace Pet Insurance.
Let’s put Spot and Embrace head to head and see which has better insurance offerings.
Most pet owners are concerned with customization since cost-effectiveness is a critical metric. Spot Pet Insurance is known as an affordable option, but also has the advantage of numerous coverage options compared to rivals like Embrace.
This means you’re getting the exact amount of coverage you need – no more or less – for the unique variables and conditions that may affect your pet. There’s no wasted cash on premiums, and you’ll know precisely what to expect regarding deductibles.
Embrace has a few different plans but cannot compete with Spot in terms of pure variety and customization.
Pet owners expect a high level of service from their insurance providers in terms of basics. Accident and illness coverage is the foundation of any plan, and both Spot and Embrace have these policies and processes down to a science.
Where these providers vary, however, is in wellness coverage, also known as preventive care. Things like checkups, tests, vaccines, and dental cleanings are covered in this category, which can make a big difference in your pet’s health.
Spot takes the prize for wellness coverage, offering a wider range of options, including screenings, prescriptions, and alternative therapies like chiropractics. Spot is also one of the only providers to include supplementation in its wellness plan, giving your pets an extra quality-of-life boost.
Forward-thinking pet owners will opt for Spot based on this feature alone.
It’s no longer a futuristic ideal – microchipping is here and increasingly common for pets with safety-oriented owners. Pet owners on the fence about this technology will be glad to discover that Spot offers the implantation service at no extra charge.
This provides added peace of mind for owners living in crowded cities, sprawling suburbs, or elsewhere. Whether you have a dog or cat, this technology can make all the difference when tracking down your furry friend and delivering them to safety.
After all, insurance isn’t all about accidents and illnesses, but safety in all possible avenues.
Upper Age Limits
When your dog or cat reaches a certain age, you shouldn’t be barred from securing an insurance plan for their later years. Unfortunately, many providers, including Embrace, have an upper age limit of 14, past which you cannot enroll your pet, regardless of their health.
This is another small victory for Spot Pet Insurance, which gives you the power to decide on enrollment for your pet at any age. Those monthly premiums might be pricey, but it’s worth the cost for many pet owners.
Ideally, you will enroll your pet as early as possible – at least eight weeks old – to get the best possible price and lock your pet in for life.
Have more than one pet who needs insurance coverage? Both Embrace and Spot offer multi-pet discounts, but the savings are not equal across all states.
In some states, Embrace only offers a 5% multi-pet discount, while Spot offers a 10% discount no matter where you live. Depending on your location, this difference could result in big savings over time, so get all the details before committing to a plan.
Even if you have just one pet now, you never know when you may add another to your roster! Most pet owners don’t stop at one, after all.
Reviews & Ratings
The web is filled with reviews and testimonials that help us compare insurance providers and weigh our options. Pet insurance is no different, and leading publications offer ratings based on facts, figures, and hands-on findings.
That’s why we shouldn’t ignore trusted resources like U.S. News, which offers consumer ratings across all major industries. In the pet insurance scene, Spot gets a 4.1 rating out of 5, while Embrace lags slightly with a 3.9.
Does this disparity mean Embrace can’t be trusted? By no means. Just know that Spot usually gets the nod when rated in key categories, from service and cost to customization and more.
Choose the Best Plan Possible
The principles of pet insurance are familiar to anyone who has dealt with health insurance, auto, and others. Comparing providers is a great way to see how competitors stack up. In this case, Spot is the winner across the board.