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.
No Upper Age Limit
Exam Fees
Behavioral Issues
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
Fast And Easy.
It was easy to file a claim and the reimbursement came in 3 days.
Spot insurance handled my claim quickly…
Spot insurance handled my claim quickly & fairly! They were super easy to work with and processed my claim immediately. They are sending me a check much sooner than I would have ever imagined. Other companies should be so efficient! There were no attempts to deny the claim or ask a million questions. The company does what it says they will do!
Staff was friendly and professional
Staff was friendly and professional. She was knowledgeable and was able to help me quickly.
Spot Insurance has been amazing!
Spot Insurance has been amazing! I really enjoy this insurance company, the website is easy to follow and it is easy to submit claims and get organized with insurance paperwork.
Best Pet Insurance out there
Best Pet Insurance out there. Made my first two claims and they went without a hitch. Amazing prompt payments.
Customer service via phone call was…
Customer service via phone call was courteous and professional. Claims were efficiently handled, easy to submit, and promptly paid.
Like having Spot!
Spot has been very easy to work with. They did not hike my rates after the first year, even though my dog needed surgery.
The process online was easy to follow
The process online was easy to follow. The bills are in process quicker this time. Good communication about the process for updates on final status.
Filing claims
I filed several claims at once having 3 dogs. They were all handled quickly and the money was received in a timely manner. It was easy to follow the steps to file a claim and check on the progress. Knowing we have the insurance in case of an injury or accident provides a piece of mind.
The claim submission was easy
The claim submission was easy. I felt the response time back was very good.
Spot Is a Pack Leader
