PetsBest Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison
Find the perfect pet insurance for you with our helpful guide to the differences between Spot Pet Insurance plans and Pets Best Insurance plans. At Spot, we're happy to compare ourselves to others because we're confident in the products we offer. Let’s take a look at what you get with a Spot Pet Insurance plan vs. a PetsBest Pet Insurance plan.
Comparing Pet Insurance Plans
Caring for the health of our pets is a central responsibility for all pet owners, from routine care considerations like vaccinations and heartworm medication to more specialty care options like microchipping and acupuncture. Exam fees can really start to add up, whether you’re dealing with preventative care or emergency care. But are pet insurance plans the best way to go forward?
Although research supports the benefits of pet insurance, choosing what’s ideal for you becomes difficult as you find dozens of potential pet insurance providers.
Questions about deductibles, reimbursement levels, waiting periods, claims processing and other factors are common and crucial. The answers vary widely based on your situation and the plans available. Sometimes a bit of help is needed to find what truly sets a pet insurance plan apart without spending hours researching.
At Spot Pet Insurance, our passion for the wellness of pets is core to everything we do. From exceptional customer service and informative resources to concise insurance comparisons, we are here to help.
Today, we’re lending a hand in your search for the right pet insurance provider for you. Read on to see some of the ways Spot Pet Insurance plans and Pets Best Insurance plans differ in areas that can help you make the best decision.
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’ Multi-Pet Discounts vs. Pets Best plans’
If you’re a parent to multiple dogs or cats, you can enjoy a 10 percent multi-pet discount with Spot Pet Insurance plans for all additional pets.
PetsBest pet insurance plans also offer a multi-pet discount but for five percent off and exclusively with the BestBenefit plan.
Spot Pet Insurance plans include coverage for Rx food & supplements prescribed to treat covered conditions
We know that pet health often extends beyond vet visits, and so do the costs. With pet insurance plans provided by Spot, core plans include coverage for RX food & supplements when prescribed by a licensed veterinarian to treat covered conditions (excluding general maintenance or weight management).
With PetsBest plans, Rx foods and supplements are excluded from pet insurance coverage.
Spot Pet Insurance Plans provide access to a 24/7 pet telehealth service powered by VetAccess™. At Spot Pet Insurance, we’re proud to partner with VetAccess™ to bring policyholders' pet telehealth services available 24/7, immediately upon enrollment. VetAccess™ provides pet telehealth service.
Having help always available is key, as you never know when you may need it. We’re glad to offer plans that provide access to a pet telehealth service for all policyholders.
Pet Parent Education Thrives at Spot Pet Insurance
When protecting your pet’s health, knowing is half the battle.
At Spot Pet Insurance, we’re excited to share an extensive library of lifelong learning resources, including exclusive materials from world-renowned pet experts. From breed guides to frequently asked questions, we offer a variety of core pet parent knowledge. Wondering whether fresh food is worth it for dogs, for example? We’re here to help you find out.
Combined with our highly customizable plan options, you can be sure that we’re here to help you find the best way forward for your furry family members.
Conclusion
Finding the perfect pet insurance policy for your pet family is easier than you might think through insurance comparisons like this. Get a quote today to see if joining the Spot family is right for you, and keep coming back to our blog for more helpful guides like this!
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 timely and simple process for vet…
Very timely and simple process for vet reimbursements. Easy to reach a customer service representative on phone for any questions about policy. Very pleased with this insurance.
Great insurance!! Spot has given us support during very…
Spot has given us support during very difficult times, they process claims quickly and customer service has been amazing when we needed them. Thank you Spot team!
Easy Process
I was new to the process and I asked for the forms to fax to Spot. Whenever I had a question, the answer was just a phone call away. I never had to wait when I called and everyone I talked to was eager to help. The money was deposited in my bank account the next week after the paperwork was faxed.
Processing was very fast
Processing was very fast! Thank you!
My experience has been acceptable until recently making them great
My experience has been acceptable with Spot until recently last month I lost my best friend of 8 years. Spot answered all my questions and concerns regarding his coverage and overall policy information. The representatives were very responsive and respectful. They didn't transfer me to 4 different people or place me on several holds during our conversation nor was I rushed off the phone like other companies. Even after the called ended I received a voicemail from a representative who informed me that she'd heard of my recent loss and the remorse in her voice was so genuine that it brought me to tears. Spot has made my experience with insurance vastly different.
SPOT on service!
This is my 3rd year with coverage for my 4yr old Boerboel. I got the coverage cuz she’s a giant dog breed. Last year I made my first claims for regular/preventative care and the claims were processed timely and with direct deposit. My girl had an unfortunate accident this year and needed a very expensive surgery for her torn Cruciate Ligament. I was scared that the underwriting would be scrutinized and a longer process BUT, it was also handled and reimbursed within a week! That was such a relief when your dog’s health and personal finances were in need. Great job SPOT. You truly are the best plan for man’s best friend.
I am very pleased with Spot Pet…
I am very pleased with Spot Pet Insurance! My dog Pepe, recently had some medical issues come up which were quite costly. My claim was handled in a timely manner and I was able to recover most of the money I had spent on this treatment. Thank you Spot Pet Insurance for all help!
Very easy to submit a claim
Very easy to submit a claim, and it was processed in a very timely manner. So glad that I have trusted Spot for my pet insurance.
Everything was done in a quicker than…
Everything was done in a quicker than expected manner. No hassle at all.
Budget Friendly & Easy to Submit Claims
The experience of purchasing pet insurance that would fit in our budget was very straightforward. The mobile app makes submitting claims a breeze. Claims are processed quickly.
Spot Is a Pack Leader
