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.
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.
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.
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
