Pet insurance should be straightforward. That’s why Embrace makes it easy to compare plans side by side. When you stack Embrace against Spot, the differences stand out—like great flexibility and thoughtful coverage features built to fit your pet’s unique needs.
 |  | |
|---|---|---|
| Window to submit claims | Full policy term + 60 days | 270 days from office visit |
| Complementary therapies** (e.g. acupuncture, chiropractic, behavioral. |  | Limited |
| Veterinary admin fees*** | | ✗ |
| Military discount**** | | ✗ |
| Pets covered internationally***** | International travel up to 6 Months | Limited availability (Only U.S. & Canada) |
More than 80% of pet parents who switched from Spot to Embrace say they’re getting better coverage, better customer service and paying less in premiums.*
Both Embrace and Spot cover complementary treatments—such as acupuncture, hydrotherapy, chiropractic care, and behavioral treatments for covered conditions—when administered by a licensed veterinarian. The key difference? Embrace includes these in its accident and illness plans, while Spot offers them only as an optional additional add-on.
We salute our country’s bravest. We honor the service of U.S. military members by offering a special discount to active and former members of the Air Force, Army, Marines, Navy, and Coast Guard.
Embrace offers coverage for your pet when you travel—whether across the country or internationally—for up to 6 consecutive months. That means your pet stays protected during vacations or extended stays. No need to worry about unexpected vet bills while you’re away—Embrace has you covered wherever life takes you.
Both Embrace and Spot offer pet health coverage — but Embrace offers great flexibility in coverage and costs, coverage for complementary therapies, and exclusive member discounts that create a more personalized experience for every pet parent. Join the growing number of pet parents who’ve made the switch to Embrace Pet Insurance.
Get your free quote today and discover why more pet parents trust Embrace to protect what matters most.
Updated Nov 7, 2025
