Geico Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison
Choosing a pet insurance provider is a huge decision. You have house insurance and auto insurance, but is pet insurance worth the investment? You stay on top of their health in other ways, making sure they have their vaccinations and spaying and neutering as needed on top of routine care. What else can you do? As a good pet parent, you want to ensure your pup has the best coverage possible. There are a lot of different providers’ plans to look through, each with its own pros and cons.
See how Spot plans stack up
You need a pet insurance provider who wants to help you find a plan personalized to suit you. At Spot Pet Insurance, we offer exactly that — but so does Geico. Both Geico and Spot offer pet insurance plans that provide access to a 24/7 pet telehealth service (Spot plans 24/7 telehealth service is powered by VetAccess™).
How can you determine which plan is better, whether you’re looking for cat insurance, dog insurance, or something else? We can help you find that peace of mind.
We’ve provided a helpful list of some differences between pet insurance plans provided by Spot and Geico to help you find the pet insurance policy your pet needs.
Behavioral Issues
No Upper Age Limit
Exam Fees
Preventive Care
Microchip
Prescription Foods
Alternative Therapies
Chronic Conditions
One Annual Deductible
Specialists
Hereditary & Congenital Conditions
Dental Illness
Multi Pet Discount
30-Day Money Back Guarantee
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Included
Not included/Some inclusionsComparison 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.
Spot Pet Insurance plans have a 14-day waiting period for orthopedic conditions
For the accident & illness plans provided by Spot, the waiting period for all conditions is 14 days. That means there is a 14-day waiting period for orthopedic conditions too.
Plans provided by Geico have a 180-day waiting period for orthopedic conditions, like hip dysplasia. You have to wait six months for your orthopedic conditions coverage to start. However, you can possibly reduce the waiting period to 2 days for orthopedic injuries and 14 days for orthopedic illnesses by completing a waiver process. To complete the waiver process, you will need to take your pup to a vet for an orthopedic exam. If the vet doesn’t find any signs of an orthopedic condition, then your waiting period will be reduced. You will need to pay for that vet visit out of pocket unless you purchase a wellness plan or other type of plan from Geico that covers the exam.
Spot plans include coverage for microchip implantation
Although we know your pet loves you, we also know that your pet might wander off on an adventure by themselves. Your pet might get lost on such a journey, and a well-meaning soul could take them to the nearest vet or animal shelter to help your furry family member find their way home.
Because of situations like these, all core plans offered by Spot Pet cover microchip implantation. You do not need to purchase an add-on to get the coverage. We want to help ensure that you and your pet can be reunited as a happy family as quickly as possible. With a microchip, anyone with a scanner can learn your information to return your dog or cat to you.
Core pet insurance plans provided by Geico do not cover microchip implantation. However, you can get coverage for microchip implantation if you purchase the wellness plan add-on offered by Geico. If you want microchip implantation covered, you have to pay a little extra for the additional wellness plan.
Spot Pet Insurance provides plans for seniors
Many pet insurance plans will place an upper age limit on new enrollments. The older a dog or cat gets, the more health issues they will likely end up having. Older pets are especially prone to illnesses.
With pet insurance plans provided by Spot, you can sign up for a plan even if your pet is getting on in years. We want your furry companion to be comfortable and enjoy life in their old age, so the accident and illness plans we offer don’t have an upper age limit.
Geico’s Pet Insurance will provide an accident-only plan for your elderly pet. However, if your pet is over 15 years old, they can’t be enrolled in a new accident & illness plan.
If you are the proud owner of a senior pup or kitty and need a new insurance plan, they can enroll in an accident & illness plan provided by Spot. You won’t be able to enroll your pet in an accident & illness plan provided by Geico if your pet is older than 15 years old.
Spot Plans Cover the Cost of Prescription Medication and Supplements
Plans from Spot Pet Insurance cover the cost of prescription medications and supplements if they are prescribed by a licensed vet to treat a covered condition.
With a Geico plan, you will have to purchase an add-on for your policy for prescription medications to be covered. Prescription supplements are not covered by Geico plans.
The Pros of Spot Pet Insurance
At Spot Pet Insurance, we want to help make sure your pet can be well cared for. We know you have a lot of insurance plans to look into, but we hope we’ll be allowed to help you and your pet. If you want side-by-side comparisons of Spot Pet Insurance plans and plans provided by other popular pet insurance providers, check here.
Tucker's Road to Recovery
When emotional support dog Tucker experienced a life-threatening injury to his neck, he needed extensive treatment. His pet parent Kim was able to choose the treatment option that would provide Tucker with the best quality of life because of the financial support provided by Tucker's Spot plan.
Cost of Treatment: $4,305
Spot Plan Reimbursed: $3,874.505
Happy Pet Parents Trust Spot
Great plans at a good price
As a household with multiple pets, having Spot insurance has been invaluable in being able to provide the care our furry companions deserve. The variety of coverage options allowed us to tailor multiple plans that are just right for us. It pays to take the time to explore all the different coverage options. We really like that Spot includes coverage for some regular preventative care treatments. When it comes to submitting claims, the process is straightforward and fast, we found it best to convert documents to .PDF when we upload them. We were pleasantly surprised by how quickly we received our reimbursement. Also, any questions we had were addressed promptly and thoroughly, providing us with peace of mind and confidence in Spot.
My claims were handled fast and…
My claims were handled fast and efficiently.
My sweet cat passed on New Years from a…
My sweet cat passed on New Years from a fungal infection the vets didn’t catch. I took her to the ER multiple times, to her regular vet, and to a specialist. It took me 2.5 months before I could even look at her vet bills and submit for reimbursement. When I finally did, Spot processed my claims quickly and hassle-free. They cancelled my policy effective 1/2/26 without me having to do that too. I also got a nice email and even a phone call with condolences. It may not seem like a big deal, but it felt like a nice gesture. 10/10 recommend.
I had Trupanion for my first cat
I had Trupanion for my first cat. It did its job, and was a lifesaver for when we had 10k of treatments for cancer. However, second cat's cancer treatment came when I was financially less stable and had to change over to Spot. I had my reservations considering the price that seemed too good to be true and the fear from straying from the more well-known companies. Turns out, they are just as good, just as helpful (if not more to make up for any difficulties that come from issuing claims). Death and sickness are always terrible things, and one comes to cherish the gentleness of convenience - if only to have more memories of my pets rather than the bureaucracy of surviving them.
I had to submit a claim for my dogs…
I had to submit a claim for my dogs surgery to remove a tumor. I submitted the claim and at first it was incomplete, and I was notified of what I needed to submit. I called to get clarification and the person at spot was very helpful andprofessional. My claim was approved in a timely manner so far, very pleased with the whole process.
13/10 would recommend!!!
I normally don't leave reviews, but I very much felt the need to do so. I switched my pets from Banfield to Spot after MONTHS of research. I mean literally 6 months of research of who had the best coverage, who had the best price, etc. I decided to go with Spot because they offered the most coverage for such a great price. The reason I wanted to write a review was because I recently lost one of my dogs and as I was waiting for Spot to approve everything, I get an email from them saying how sorry they were about the loss of my baby boy Roscoe. I also noticed that they said because of the time-frame of which he had passed (it lapsed into a new month), they weren't going to charge me for that new month and they were going to cancel it for me but if I had any other paperwork to submit that I could do so. It was truly so effortless and a weight off my shoulders not having to deal with all that with the sudden loss of Roscoe. My experience with Banfield was quite the opposite when I lost my dog Benji, it was like fighting tooth and nail with them. Spot made it so easy, I was able to grieve over the loss of my baby without having to deal with the phone calls, the holds and lets be honest, the bs that comes with trying to cancel insurances. They even called me a week later to check in to see how me and Roscoe's littermate Hodor were doing. I really cannot recommend Spot enough!
Excellent and fast
Excellent and fast. No hassle.
Easy to file claim and fast to get…
Easy to file claim and fast to get reimbursed.
Best Experience Upon the Death of Our Cat
I bought pet insurance months ago not knowing what to expect. Our cat unexpectedly passed away due to an undiagnosed condition. Prior to this we had no claims submitted. I wasn't expecting much from the insurance but the submission was very easy for his end of life expenses. And their response to our cat's death was so very kind. They called me, sent a message via email, and we received a wonderful card. They proactivley cancelled the insurance which saved us time and future unnecessary charges. We love cats and will be adopting one again soon, and Spot Pet Insurance will definitely be a part of our life. Thank you to all at Spot for your kindness and sympathy during this time.
Spot Is a Pack Leader
