Liberty Mutual Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison
We all have definitely realized the importance of an insurance plan as the costs of vet care is rising day by day with inflation increasing and newer technology getting introduced every now and then to the field of veterinary medicine. Most of us do not have a habit of saving or keeping aside a specific fund for a rainy day. This is exactly why an accident & illness pet insurance can help because when, God-forbid, a pet gets unexpectedly sick or hurt, policyholders have someone who can help with the covered costs.
See How Spot Stacks Up!
Sometimes people don’t know the importance or potential value of insurance, and they don’t know what to think about when planning to get an insurance plan, whom to trust and whom to not, what facilities to look for, and what priorities to set.
At such times, it becomes very necessary to choose the right pet insurance provider. We at Spot Pet insurance have never shied away from comparing ourselves to several companies in the industry. The reason is that if we are good at what we do, everyone should know, and if we are not good at something, then we need to learn and improve on the same.
Our mission is to make it as easy and transparent as possible for you as a responsible and loving pet parent. Because we know that the thought of your pet getting sick in the future is already making you feel low and sad.
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 vs. Liberty Mutual Pet Insurance Plans
This article compares Liberty Insurance plan options to Spot Pet Insurance plan options. And here are some of the ways their plans differ from ours –
30-day money-back guarantee
Spot plans offer a 30-day money-back guarantee which Liberty Mutual pet insurance plans do not provide.
Spot plans’ 30-day money-back guarantee is only available if no covered claims have been filed, and it’s not available in the stats of New York.
Prescription Diets & Dietary Supplements
Spot plans cover the costs of eligible diets when prescribed by a vet to treat a covered condition. Prescription food for general weight or health maintenance is not covered. Liberty Mutual pet insurance plans do not cover prescription foods.
Microchip implantation
One of the must-have tools for pet parents is a microchip. Lost dogs have a much better chance of getting back to their owners if they have a microchip implanted. Microchip implantation may cost between $30 and $50, with prices varying by location. Spot Plans include coverage for microchip implantation in all core plans.
Multiple Pet Discount
Spot plans offer a 10% multi-pet discount for every additional pet insured. Liberty Mutual pet insurance plans only offer a 5 percent per policy premium discount for two pets and a 10 percent per policy discount for three or more pets.
Accident only plan
Want to get coverage for unexpected accidents only? Both providers offer an accident-only plan.
The above pointers are where both companies differ in terms of policies. There are some common offerings as well that you, as a parent, can avail yourself of options from both providers. These include –
Alternative Therapies
Spot plans cover alternative therapies prescribed to treat covered conditions – These include acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy.
Behavioral Problems
This is something that may feel temporary but can be quite severe.
Dental Illnesses
Our canine pets are infamous for having several dental diseases in their lifetime. And they can be costly to treat as well.
Chronic Conditions
Including illnesses like diabetes, cancer, etc. which may need prolonged care.
Licensed Specialists
Your pet can run into some covered condition that needs immediate treatment from a licensed specialist.
Eligible care from a licensed specialist for a covered condition is covered.
One Annual Deductible
There are various plans available in terms of annual deductibles. Spot offers seven options for an annual deductible between $100 - $1,000, allowing you to choose the best fit for you. Liberty Mutual only offers three annual deductible options between $250 - $1000.
These are key points that we think you, as a pet parent, would have questions about. And we believe we tried to clarify most of them for you. We absolutely leave the choice up to you to decide on a viable insurance plan for your beloved pet, and we know that you will not compromise when it comes to them. You will definitely make the best choice. Our job here was only to provide you with the right and relevant information so that you make an informed decision.
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
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.
The Payment was fast!
The Payment was fast to my account and explanation of benefits paid were clearly written.
I have done two claims through Spot in…
I have done two claims through Spot in last 5 years, both over$1500 and other than my deductible they paid to the dime the amount I expected. Claim processed in a week and the first one was received in the 5-10 days by mail as they said and the second claim check I should get this week. Other than my own shortfalls of uploading the documentation the process was seamless. I was unable to find my Credit Union on their site so had to do mail. I spoke to them by phone in which staff answered quickly, gave me additional options on submitting the claim. Also the staff was very sympathetic about my dog. ❤️
After going through such a scary…
After going through such a scary experience, it was so nice to talk to wonderful people at Spot insurance. They made such a difference.
The Meaning of Good Customer Service
My overall experience with Spot Pet Insurance is amazing!! I’m using this adjective to describe them because on the wonderful service (s) the provider for my little furry family member. Some insurance companies will let you go on paying for services you don’t need any longer. When it was time for my renewal the rep really help me in my decision. When you file a claim they are very prompt in paying with no hassles. I’m so happy I selected this company, I’m very happy with them!!!!
They wanted to help
I was having a lot of trouble trying to submit a claim. Your representative knew just what to do. The claim was submitted and processed that week.
Spot Is a Pack Leader
