ManyPets Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison
For a premium, accident & illness pet insurance helps policyholders stay covered for the sicknesses and injuries of our pets and reimburses the costs of eligible vet bills as per the plan chosen. In the US, over 40% of people own a pet. Now that’s a big number and one which proves that the US is a pet-loving country. This would mean that we people do not want our pets to be sick or get some injury and in case if and when that happens, only the best care is given to them. Now there are several diseases like cataracts, skin infections, hip dysplasia, elbow dysplasia, GDV, cherry-eye, IBD, etc. which can affect our pets. We might be able to control where our pets go and what they do most of the time, but we can’t control how and when these diseases will affect our pets. Sometimes our wallets would allow the expenses but in others, the vet bills can run huge and even into thousands at times. This is when insurance can help on a rainy day. Therefore, it is very important to choose a pet insurance provider properly. One who cares about the pet and the pet parents both and understands the challenges they go through at the time of illness
Spot Pet Insurance Vs. ManyPets Pet Insurance Comparison
There are certain things that you should have on your checklist before finalizing the pet insurance plans:
Deductibles and options in them
Rate of claim processing
Annual coverage options
Exclusions from the policy
Attitude and empathy of the provider
Friendly and transparent policies
We at Spot pet insurance thrive on customer satisfaction. We believe that the best insurance for you is the one that lets you sleep at peace at night, knowing that your pet is insured and covered.
You would come across several providers that offer pet insurance plans. You’ll find a lot of similarities as well. But between them, there will be a lot of differences as well. Why wouldn’t there be? They wouldn’t have started the company if they wanted to be the same. The goal for you here should be to identify the one that considers your needs and fulfills them. And our goal is to help you find that. (You almost did when you came on this page, anyways).
Our mission is to make it as easy and transparent as possible for you, as a responsible and loving pet parent, to go through the insurance claim process because we know that the sickness of your pet is already making you feel low and sad.
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 inclusionsNo 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.
Spot Pet Insurance Plans vs ManyPets Plans
This article compares ManyPets plans to Spot Pet Insurance plans. And here are some factors on how they differ –
Coverage in all 50 States
Spot Pet Insurance is available to pet parents in all 50 states. Many Pets does not offer coverage in all 50 states, so you will need to check if they offer coverage in your state.
Prescription Diets & Dietary Supplements
We are what we eat and it’s the same for pets as well, especially if they are recovering from an illness. Prescription diets are special diets that your pet might need to recover quickly and gain immunity. At Spot, the plans we offer cover diets when prescribed by a vet for treating a covered condition. Foods and supplements prescribed for general health or weight maintenance are not covered. But with ManyPets plans, prescription foods are not covered, only supplements are.
Microchip Implantation
Each year, a lot of pets are lost in the United States and end up in the nation's animal shelters. The unfortunate fact is that they aren’t all microchipped and some won’t find their way back home. We understand the bond between you and the pet and hence place importance on microchipping. Plans at Spot include coverage of microchip implantation in all core plans. ManyPets plans don’t.
Preventive Care Requirements
Spot plans don’t have preventive care requirements to cover some illnesses, which some other plans like ManyPets plans do.
No Upper Age Limit
Spot plans have no upper age limit for new enrollments. ManyPets plans however, do have upper age limits for new enrollments. .
Accident-Only Plan
We provide variety in our offerings so you can customize your pet’s insurance according to your need and lifestyle. If you don’t feel like getting your pet insured for sicknesses but only for injuries and accidents then we’ve got an option for you as well. ManyPets doesn’t offer an accident-only plan.
Behavioral Issues
Aggression, separation anxiety, noise phobia, cat-to-cat aggression, etc. are some examples of behavioral issues that your pet might face. Spot accident & illness plans cover the eligible treatment for behavioral problems. ManyPets plans don’t.
Multiple Pet Discount
Spot offers a 10% multi-pet discount on every additional pet. We know how difficult it can get to maintain pets at times. This is a little kind gesture from our end. Manypets does not offer a multiple pet discount.
The above pointers are where both providers’ plan options differ. There are some common offerings as well that you as a parent can avail with both providers’ plan options. These include –
Alternative Therapies – Both providers’ plans cover alternative therapies that are prescribed to treat covered conditions. Acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy are common and effective amongst pets as well. We would love it if your pet can be treated without medications.
30-day money-back guarantee –We at Spot offer you a 30-day money-back guarantee, in case you don’t feel it is the right plan for you (which we don’t let happen easily). The 30-day money back guarantee is not available if a covered claim has been filed, and it’s not available in New York.
Preventive Care Option – Prevention is the best cure. Spot offers add-on preventive care coverage options for an extra cost. Some coverage benefits included in the options include certain vaccines, dental cleaning, deworming, and certain blood tests.
Exam Fees – Exam fees for covered conditions are covered by plans offered by both providers.
Hereditary and congenital conditions – Pets, especially dogs can inherit some diseases from their parents. Accident & illness plans offered by both providers cover the costs of eligible treatments for such diseases.
Dental Illnesses – Our canine pets are infamous for having several dental illnesses in their lifetime. And they can be costly as well. Spot accident & illness plans cover dental illnesses and tooth extractions for dental accidents.
Chronic Conditions – Conditions illnesses like diabetes, cancer, etc. which need prolonged care are covered by accident & illness plans offered by both Spot and ManyPets.
Specialists – Your pet might need a licensed specialist vet visit at a time of a complicated surgery or an emergency for a covered condition. The vet bills here can be higher than normal. But our plans would cover the costs for the same.
Above, we have mentioned some of the benefits that Spot Pet Insurance plan options would cover. The premiums may be affected by the age of the pet, the pet breed, the pet location, and the plan you choose. So, we now leave the decision to you to choose the best pet insurance for your pet. We trust you in the fact that you would not want to compromise on anything when it comes to your lovely pet.
Happy Health and Mood to your Pet baby and Lots of Love and Licks to you!
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
First Claim A+
Recently had our first experience with a claim and it has been seamless. Spot has counted payments towards the deductible and once it was met, they paid 90% of the remainder which is what our plan covers. There were no questions asked when I supplied the invoice, they paid. Could not be more pleased with Spot at this point.
Submitting a Claim
I appreciate the clarity of instructions for filing my first claim. Submitted all the paperwork on Sunday and by Friday the claim was completed and funds transferred to my bank account. Thank you for your dependable service at a challenging time.
Quickly settled my bill
Quickly settled my bill. Very easy submission.
Great company!
I got Spot Insurance because it had the best coverage for a great price. I have not had a problem with a claim. I have filed two and both were handled quickly and efficiently. Great company.
From the difficult to Easily Done
Previously used Pet Insurers' wanted detailed histories and required us to provide very detailed claims. Not so with Spot. Sent the Vet bills to Spot and if they needed more info they then called vet. Easy done!!!
Our new puppy broke her leg
Our new puppy broke her leg soon after we got her. We were so glad to have gotten Spot insurance. It mad a huge difference in the total amount. The app is very easy to use.
Spot pet insurance is affordable
Spot pet insurance is affordable, fair and very quick in paying. Easy to use.
Quick and Easy
Good rates and very easy process to submit claims.
Quick refund and they cover everything…
Quick refund and they cover everything they said they would!
Spot pet insurance is a must have
Spot pet insurance has always quickly reviewed the claims, and sends reimbursements in a timely fashion. Having spot pet insurance has helped out so much for my pets unexpected vet bills. I always recommend spot pet insurance to every pet owner I talk to.
Spot Is a Pack Leader
