Embrace vs Spot
Included care, exclusive discounts, coverage that travels
 | Spot |
|---|---|
Full policy term + 60 days. | 270 days from the office visit. |
Treatments like acupuncture, hydrotherapy, rehabilitation, chiropractic therapy and behavioral therapy are covered in our standard accident & illness plan. | Separate paid add-on required. |
Covered to help maximize the amount of your reimbursement. | Not covered, leaving more to pay out-of-pocket. |
Embrace offers a military discount for active and former service members in eligible states. | Not offered. |
Travel with your pet is covered for up to 6 consecutive months per trip. | U.S. territories and Canada only. |
| Plan features |  | Spot |
|---|---|---|
| Window to submit claims | Full policy term + 60 days. | 270 days from the office visit. |
| Acupuncture and rehab coverage | Treatments like acupuncture, hydrotherapy, rehabilitation, chiropractic therapy and behavioral therapy are covered in our standard accident & illness plan. | Separate paid add-on required. |
| Veterinary admin fees | Covered to help maximize the amount of your reimbursement. | Not covered, leaving more to pay out-of-pocket. |
| Military discount | Embrace offers a military discount for active and former service members in eligible states. | Not offered. |
| International coverage | Travel with your pet is covered for up to 6 consecutive months per trip. | U.S. territories and Canada only. |
| Get your quote |
With Embrace, acupuncture and rehab is in the plan, not an upsell.
Acupuncture, hydrotherapy, chiropractic and behavioral treatment for covered conditions are covered when performed by a licensed vet.
With Embrace, six months abroad doesn't mean six months uninsured.
Your pet stays protected during vacations and extended stays, wherever you go.
Let’s get your pet covered
30-day money-back guarantee*
10% multi-pet discount**
No obligation, see your price in just 2 minutes
Where Embrace wins over Spot
Acupuncture and rehab coverage are included rather than added on
Both Embrace and Spot cover treatments such as acupuncture, hydrotherapy, chiropractic care and behavioral treatment for covered conditions when administered by a licensed veterinarian. The difference is where they sit: Embrace includes them in its standard accident and illness plans, while Spot offers them only as an optional, paid add-on.
Travel confidently
Embrace covers your pet when you travel, across the country or internationally, for up to six consecutive months per trip. That means protection during vacations and extended stays, without worrying about vet bills while you're away.
Spot limits coverage to the U.S. and Canada.
Military pet parents save with Embrace
Embrace honors the service of U.S. military members with a discount for active and former members of the Air Force, Army, Marines, Navy and Coast Guard.
Spot offers no equivalent.A claim window measured in your policy term, not in days
Embrace gives you a long runway to submit claims - the full policy term plus 60 additional days. That generous timeline can ease the pressure of collecting paperwork while caring for your pet during a rough patch.
Spot requires claims to be submitted within 270 days from the office visit, which sounds generous until the visit was ten months ago and the paperwork surfaced late.
Disclosures
Comparison information is provided using publicly available information as of Septmber 30th, 2026 and is only meant to summarize program features, not a specific plan. Review each provider's plan terms for more details. The descriptions of other providers' plans were not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. Although we attempt to keep information up to date, it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing compliance@embracepetinsurance.com
*Assuming no claims have been filed
** NY and WA residents receive 5% (not 10%)