Pawp Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison

Pawp Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison

You might have heard about Pawp’s $24 per month membership, but how does it measure up to pet insurance plans provided by Spot? Read on to learn more.

With the advancement of technology comes the advancement of pet treatments and services. For example, there are digital and telehealth services. Here at Spot Pet Insurance, we offer pet insurance plans which provide access to a 24/7 pet telehealth service powered by VetAccess™.

New technology also means different ways of assisting people with pet care. Pawp memberships and Spot Pet Insurance plans are both popular options.

Pawp memberships provides a one-time per year emergency fund at a low price and a 24/7 pet telehealth service.

Let’s find out some differences between Pawp memberships and pet insurance plans provided by Spot.

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No Upper Age Limit

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Exam Fees

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Behavioral Issues

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Preventive Care

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Prescription Foods

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Alternative Therapies

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Chronic Conditions

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One Annual Deductible

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Hereditary & Congenital Conditions

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Dental Illness

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Multi Pet Discount

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30-Day Money Back Guarantee

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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

How do Pawp Memberships function?

Pawp memberships are essentially emergency funds for pets. After you sign up, there’s a 14-day waiting period. After the waiting period is over, you have a $3,000 fund that you can use for emergency treatment.

To use the fund, one of their specialists (whom you can call using a 24/7 telehealth service) has to give your dog or cat a virtual exam to determine if there is a real emergency. The specialist will need to confirm that there is an emergency in order for the membership coverage to apply.

Pawp will pay the vet directly for the eligible vet services, so you don’t need to worry about paying unless the emergency exceeds the $3,000 limit.

As part of enrollment for the Pawp membership, you have to pay a monthly fee of $24. If you like having many animal friends around, Pawp memberships will cover up to 6 pets.

Spot Pet Insurance plans can cover multiple emergencies

The Pawp membership emergency fund can only cover one emergency per year. The first emergency covered is the only emergency that can be covered during that year of your membership, even if you don’t use all $3,000.

At Spot Pet Insurance, we know that sometimes your pets can have multiple emergencies a year. It’s a big world out there; some animals have a knack for getting into trouble. Pet insurance plans provided by Spot do not limit coverage to one eligible condition per year.

Some pets also have hereditary or congenital conditions that may need continuous treatment or may take multiple appointments to manage. These expenses would not be covered by a PawP emergency fund.

We also offer a 10 multi-pet percent discount for all additional pets, so you have help saving some money to help improve your four-legged family’s quality of life.

You can add preventative care coverage to Spot plans

We take your pet’s health and happiness very seriously and know that sometimes offense is the best defense. That’s why we offer preventative care coverage add-ons for a little extra cost.

With preventive care coverage added to an accident and illness plan, you can be reimbursed for certain routine wellness treatments that help prevent your pup or kitty from getting sick. Covered services include; annual wellness exams, vaccines, dental cleanings, and other services.

Pawp memberships do not provide coverage options for preventive care treatments. Although, you can use their pet telehealth line to speak to a licensed vet or vet tech.

Spot plans take a holistic approach to health

Although Pawp memberships cover emergency visits, they don't cover any follow-up visits or rehabilitation for the same condition once the initial emergency visit is over. Some emergencies won’t require care after the initial hospital visit. Other times your pet may need physical therapy or another form of rehabilitation to get back to their old self.

At Spot Pet Insurance, we are aware that your pet can need many forms of treatment for accidents and illnesses, from alternative therapies to rehabilitation. Some of the alternative therapies that are prescribed to treat covered conditions that Spot plans can cover include:

  • Hydrotherapy

  • Chiropractor visits

  • Acupuncture

We want to make sure your pet feels great in both mind and body, so pet insurance plans provided by Spot also cover behavioral issues.

Keeping your pet healthy and happy

As a pet parent, you know accidents happen, and because you're taking the time to research providers, you’re already well on your way to being prepared. You know your pet’s needs best, so ultimately, it’s your decision as to what you choose.

We hope to assist you further by providing a pet insurance plan that you can tailor to your pet's needs. We also have plenty of resources for pet parents looking to learn more about being a good parent to their dog or cat. We also have more pet insurance comparisons for you to check out.

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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

Have More Questions?

Visit our blog to learn more about how pet insurance works and the benefits it can offer you and your pet.

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