Prudent Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison
See how Prudent Pet Insurance plans and Spot Pet Insurance plans differ in today’s comparison. Doing your homework before you enroll your pet will help ensure you’ve picked a good pet insurance plan for your furry family member. 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 Prudent Pet Insurance plan.
One web search for pet insurance will show you an array of options to choose from. You know you need to get your pet the proper vaccines and that you need to be prepared in case of emergency hospitalization for something like a ligament injury, but you might not be as sure about pet health insurance. Figuring out how to handle your pet’s needs can get tricky.
Between dozens of pet insurance providers and widely varying pet insurance policies, narrowing down the right pet insurance plan can feel overwhelming.
Although quotes are a great place to start, at Spot Pet Insurance, we go the extra mile with helpful comparison guides between our insurance and other pet insurance providers, such as Nationwide or Pets Best.
Today’s guide breaks down the most critical differences between Spot Pet Insurance plans and Prudent Pet Insurance plans. Read on to see where we differ and to get closer to finding the ultimate pet insurance fit for you!
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.
Wellness Plan Differences: Spot Pet Plans vs. Prudent Plans
Wellness care for your pets is essential, but whether or not to include certain parts of wellness care in your insurance plan is another matter that can differ for each pet family.
Spot Pet Insurance and Prudent Pet Insurance both offer add-on wellness coverage options that can supplement a core Accident & Illness plan or an Accident-only plan for an additional cost. However, there are some key differences.
Base plans provided by Spot include coverage for microchip implantation. In order to get coverage for microchip implantation with Prudent Pet Insurance plans, you need to add on a wellness plan to your base plan for an additional cost.
Microchipping is a helpful way to find your pet should they become lost.
With the Gold Preventive Care Coverage add-on option offered by Spot, you are covered for up to $100 for dental cleanings annually, or $150 for dental cleanings annually with the Platinum Preventive Care Coverage option. See our preventive care coverage plan breakdowns for more details!
At Prudent, on the other hand, three levels of wellness coverage add-on options are available – low, medium, and high – and include $0, $40, and $60 of coverage, respectively, for dental cleanings annually. Prudent also requires pets to have routine dental exams to qualify receive reimbursement for dental illnesses.
Exam Fees For Covered Conditions Are Included in Base plans provided by Spot
At Spot Pet Insurance, the base plans we provide include coverage for exam fees for covered conditions.
In contrast, with Prudent Pet Insurance plans, you’ll have to purchase an additional add-on to get coverage for exam fees for covered conditions.
Prescription Food Coverage
Spot Pet Insurance plans include coverage for Rx food and supplements when they’re prescribed by a licensed vet to treat covered accidents and illnesses (not for general maintenance or weight management).
Prudent plans only cover Rx food when it is prescribed to treat existing bladder stones and crystals in urine.
Conclusion
We want you to find the perfect fit for your fur family’s best interests. From helping you stay educated to providing extensive pet insurance plans, we’re here to help. Whether you’re trying to learn more about your pup’s hereditary condition, you’re curious about prescription medication for your cat, or your pet swallowed something they shouldn’t have, we want to help give pet owners the support they need.
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 just like this one!
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
I totally recommend SPOT
I have a small Morkie that has a really fragile health and he goes to the vet a lot. Recently he had to pull out 22 of his teeth and I was so nervous because the bill would be so expensive. I sent the invoice to SPOT and in less than a week I got their answer with the reimbursement! I always recommend SPOT to pet owners because they’re really good and fair when it comes to reimburse your money. 10/10
SPOT has you covered!
I love how easy it is to file a claim and how quickly the reimbursement is reviewed and completed. The whole process from start to finish is quick and seamless. It brings you peace of mind when your little fur baby has to go to the vet! Worth every penny!
Easy to navigate
Easy to navigate, understand, easy to upload your documents. You get confirmation that it went through and in a few days you hear back and can read all the details in your account. Life is hard enough, simplicity is appreciated.
I was worried about pet insurance but…
I was worried about pet insurance but took a chance on spot and it has helped me more than you could imagine. If your able to do everything online it is so easy. I have never had such a great experience with insurance company's. I am actually gonna get another dog just because of spot insurance. Thank you spot
Best pet insurance ever it is so easy…
Best pet insurance ever it is so easy to file a claim and response is fast I put my claim in and 3 days later I had my refund !!!!
I really appreciate the service I get…
I really appreciate the service I get working with SPOT pet insurance. Easy to use- can do everything via their port. Great vet bill review and process. I’ve had them now for over 2 years! Highly recommend them for your animal kids 😊
Easy to submit claims
Claims are easy to submit on the ap
Very simple claim process and fast…
Very simple claim process and fast payment
Spot has the best claim service!
The claim process was so easy and Spot responded quickly. My claims were fully processed within one week and the refund that they promised was direct deposited into my account. Would recommend Spot Pet Insurance highly! I have been with them for four years and haven't needed them until now but they came through!
Spot has been huge for us
Spot has been huge for us We've had multiple insurance companies through the lives of our puppies, as we've traveled through many states and have had companies that dropped off because of our travels - but when we picked up Spot, everything took a turn for the better. Their sign up process was easy, the prices were fantastic (we have two very senior dogs) and their website and app are VERY intuitive as far as submitting claims (and the claims are deposited directly back into my account directly, which is handy). So far everything to do with Spot has been great - we're using the preventative care plans as well, so we get reimbursed for the heartworm meds, dental care, urine testing, etc. I can't imagine using another company at this point.
Spot Is a Pack Leader
