Dive into our comprehensive pet insurance comparison to see how Spot's offerings measure up against other providers. Our guide simplifies comparing pet insurance, highlighting key differences and benefits. Discover the crucial factors that set Spot plans apart in the pet insurance landscape, helping ensure you make an informed decision for your pet's health and well-being.
Choosing pet insurance involves comparing key factors including policies, coverage differences, claim eligibility, and reimbursement rates. Understanding these factors is crucial when determining the coverage and cost-effectiveness of your pet's health care, as these differences can greatly influence the coverage of your claims and the reimbursement amount after veterinary visits. When looking at pet insurance, consider the following:
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Included
Not included/Some inclusionsTired of being told no? Spot plans don't place an upper age limit on coverage. *With Nationwide, only pets 10 years of age or younger may enroll in a Major Medical Plan. *With Embrace and USAA, pets of any age can be insured but pets 15+ are restricted to enrolling in new accident-only plans. *** "No upper age limit*** data in table with "Y" means pets are covered and can enroll in a new plan regardless of old age. "N" means there is a maximum age to enroll or be insured.
Once your deductible is met, exam fees for accidents and illnesses related to covered conditions are covered. Annual physical exam fees are not covered. *With Figo, Prudent Pet, Embrace, Lemonade, Liberty Mutual, and Pets Best, an additional monthly fee is required. *With Pawp, Exam Fees are only covered in life-threatening emergency situations, and only 1 emergency a year.
This coverage can help with eligible costs for veterinary visits for concerning behavioral issues that may be related to anxiety or compulsive behavior, like excessive licking, fur pulling, and destruction of home. *Trupanion behavioral issues coverage are available for an additional cost. *Fetch only covers up to $1k towards behavioral issues each year. *Metlife coverage available for an additional cost.
Treatment for the purposes of avoiding an illness or injury or for the promotion of general heath, where there is no underlying illness, injury, or symptoms. Dental cleaning, wellness exams, deworming, flea/heartworm prevention, fecal and blood test, and more! Spot provides options to add preventive care coverage for extra monthly costs.
Your core policy covers microchip implantation by a veterinarian; not any associated fees for registration, monitoring, or renewal. *With Pets Best, Fetch, Prudent Pet, Embrace, Geico and Trupanion, an additional monthly fee is required. *Included in Nationwide's and Liberty Mutual's Wellness packages for an additional monthly cost.
## Prescription Diets & Dietary Supplements A food that is prescribed by your veterinarian to treat a covered condition, with guaranteed analysis and safety standards. Spot plans don't cover the following prescription diets: treats, general health maintenance diets, weight loss diets, puppy or kitten diets, homemade diets, or raw food diets, even if prescribed or dispensed by your veterinarian. *Figo only covers food to treat bladder stones / crystals for up to 6 months *With Pets Best, an additional monthly fee is required. *Prudent Pet only covers prescription food costs to treat bladder stones and crystals for a limited time. *Fetch only covers prescription supplements, not prescription food. *Manypets covers prescription supplements, not prescription food.
There are all sorts of alternative therapies now involved for pets, such as acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy. Spot plans can reimburse you for alternative therapies your pet might need to treat a covered condition.
These are accidents & illnesses that need care across multiple plan period, such as diabetes and cancer. With accident & illness pet insurance plans provided by Spot, you don't have to worry about a condition becoming ineligible for coverage just because it is ongoing.
Spot plans allow you to select from a range of annual deductible amounts. Once you meet your annual deductible, Spot plans will reimburse a percentage of covered expenses, according to the reimbursement percentage you select, up to your annual limit.
Spot understands the importance of timing, which is why we’re proud to offer you plans with coverage at any licensed vet, emergency clinic or specialist in the US.
This coverage is for the costs of eligible inherited illnesses and that don't show symptoms until later in your pet's life, like heart disease, IVDD, eye disorders, and hip dysplasia. *Healthy Paws does cover hereditary conditions, though pets enrolled after age 6 are not eligible for hip dysplasia coverage. *With Embrace, pets enrolled after age 6 are not eligible for hip dysplasia coverage. *Pawp covers hereditary and Congenital conditions only related to life-threatening emergencies.
Spot plans cover dental illnesses if you enroll in an accident & illness plan, and Spot plans cover tooth extractions for accidents.
Insure one, discount the rest. Spot plans provide a 10% multi-pet discount for every additional pet insured. *Liberty Mutual gives 5% discount for first additional pet, and 10% for 3 or more.
Take the time to understand if this service is for you and your furry pal. Test it out and determine if it’s right for you with our 30-day money back guarantee. *30-day money back guarantee only available if no claims have been covered. *Not available in NY. *Not available in ME. ME residents receive a 15 day right to examine.
Comparison information is provided using publicly available information as of 3/2/24 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 marketing@spotpet.com.
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See how Spot plans stack up against those of other pet insurance providers.
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Behavioral Issues
British short hair, 5 years old, furniture destroyer
Spot plans cover behavioral problems with symptoms like excessive chewing and aggression.
Spot plans include coverage for microchip implantation by a veterinarian.
Healthy Paws plans don't cover behavioral problems
Healthy Paws plans don't have microchip implantation coverage.
Enjoy unique discounts on curated pet products, 24/7 access to a dedicated pet telehealth helpline, and a rewarding Refer-a-Friend program that can reward you up to $500 per year.*
As part of our mission to help pets lead happier and healthier lives, we’ve sourced the best deals for you and your pet.
Get unlimited, 24/7 virtual pet care for everything from nutrition advice to behavioral guidance for your pet.
Spot has a rewarding Refer-a-friend program that can reward you up to $500 per year* by referring your friends.
*Amazon Gift Card offer is subject to eligibility terms and is not available to residents of LA, MA, MI, MS, MT, NM, RI, SD, and WA. No purchase necessary. See full terms.
Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.
A pre-existing condition is any injury or illness that occurred or began to display symptoms either before the coverage effective date of your pet’s policy or during the policy waiting period. A condition can be considered pre-existing even if it has not been diagnosed or treated by a vet, the only factor that matters is when the condition occurred or when your pet began to experience symptoms.
While Spot plans will not cover pre-existing conditions, an injury or illness that is curable, cured, and without treatment or symptoms for a period of 180 days, is no longer considered pre-existing. The exception to this is knee and ligament injuries. If a knee or ligament injury takes place before the coverage effective date of your pet’s policy, or during the policy’s waiting period, future ones will not be eligible for coverage.
