Healthy Paws Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison
What is the difference between Spot and Healthy Paws Pet Insurance?
Are you wondering about the main differences between Healthy Paws Pet Insurance plans and Spot Pet Insurance plans?
Here’s what you need to know about some differentiators between these two providers’ plans.
Healthy Paws Pet Insurance plans do not cover vet exam fees for covered conditions, but Spot plans do.
Healthy Paws insurance plans don’t cover Rx foods or supplements that are used to treat a covered condition.
Healthy Paws Pet Insurance plans do not cover behavioral problems.
Healthy Paws doesn’t offer a 10 percent multi-pet discount for additional pets.
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
No Upper Age Limit
Tired 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.
Exam Fees
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.
Behavioral Issues
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.
Preventive Care
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.
Microchip
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 Foods
## 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.
Alternative Therapies
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.
Chronic Conditions
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.
One Annual Deductible
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.
Specialists
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.
Hereditary & Congenital Conditions
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.
Dental Illness
Spot plans cover dental illnesses if you enroll in an accident & illness plan, and Spot plans cover tooth extractions for accidents.
Multi Pet Discount
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.
30-Day Money Back Guarantee
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.
1. With Spot Pet Insurance plans, you can get your dog or cat’s exam fees for eligible conditions covered.
We’re committed to helping ensure that your pet gets the care they need when they need it — which is why you can rest assured that exam fees and vet visits for eligible conditions are covered by pet insurance plans provided by Spot.
2. Spot covers Rx foods and supplements used to treat eligible conditions
Both Spot plans and Healthy Paws plans cover prescription medications used to treat covered conditions, but Healthy Paws plans do not cover Rx foods or supplements used to treat covered conditions. Plans provided by Spot cover Rx foods and supplements used to treat eligible conditions (as long as a food or supplement is prescribed to treat an eligible condition and not for general health or weight maintenance).
3. Spot Pet Insurance provides Preventive Care Coverage.
Spot Pet Insurance offers an optional preventive care add-on that can be used to cover the routine veterinary costs that come with having a pet. Annual wellness exams, dental cleanings, vaccinations, and other services can be covered under a preventive care add-on. Healthy Paws does not offer preventive care coverage.
4. Spot plans cover behavioral problems.
Spot Pet Insurance accident & illness plans include coverage for behavioral problems.
5. If you enroll more than one pet, you get a discount with Spot Plans.
Unlike Healthy Paws plans, if you add on more than one pet in your family, you will be able to get a multi-pet discount. Spot Pet Insurance plans provide a 10 percent multi-pet discount for all additional pets.
Spot Pet Insurance Gives You Options
Spot Pet health insurance is here for our four-legged friends (and their people). That’s why we offer premium pet insurance plans. Plans provided by Spot only have a 14-day waiting period (including orthopedic concerns like hip dysplasia, unlike some other pet insurance plans). With plans that don’t include upper age limits for older pets and preventative care coverage options (for an additional cost), Spot is 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
Very quick response time
Very quick response time
They stand by what they promise
They stand by what they promise. Claims were so easy to use and they even contacted my Vet to get the documents needed.
Spot Insurance is easy to work with
Spot Insurance is easy to work with! Claims are easy to fill out. They process claims quickly. I've been very happy with Spot Pet Insurance.
Everything so far is great fast Claims
Everything so far is great fast Claims
Super fast processing time!
Just filed my first ever claim and they processed it so fast! I got everything covered up to what my coverage entails. I’m so impressed and highly recommend this insurance!
Super easy
It is easy to submit a claim and Spot’s response time is very quick.
Spot Was There When We Needed Them
Stewart had Spot Pet Insurance for 2 years and we didn't need it much, until we did. This past month has been one of the hardest for my family as we had to say goodbye to Stewart after 13 years of love and companionship. Spot made the process as painless as possible and even after submitting the final paperwork for when we said goodbye to Stewart, they even canceled the policy for us and sent a note to my email about how sorry to hear about Stewart they were. I have suggested Spot to everyone I know with a fur baby and when I inevitably let another fluffy friend back in my heart, will definitely be returning to Spot.
Quick turn around with my reimbursement…
Quick turn around with my reimbursement from my vet receipts.
Filing a claim is relatively easy
Filing a claim is relatively easy, turn around on reimbursement was very quick. My only comment, not meant to be negative, is I would like to see the EOB on the claim and also an easier way to see the benefits, just like for a human :)