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 inclusionsComparison 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
Pebbles mouth
Pebbles mouth. Great response, with good out come. Thanks 😊
Always very nice on phone with any…
Always very nice on phone with any questions. When policy covers procedure done in a timely manner. Glad to be in the SPOT family.
A few tough weeks, Spot had our back!
A scheduled dental cleaning turned into the need for 3 dental extractions. Then we got some unexpected news about our pup, that he had elevated amylase levels and after sending away for further testing, we found out Rudy has potentially chronic pancreatitis. Only two weeks later, Rudy was attacked by a bigger dog while out on a walk. Thankfully his human dad was able to get him out quickly, but X-rays and antibiotics were a must. Rudy’s Spot insurance has helped us so much during this difficult time, and gave us some peace of mind covering his medical costs. Rudy is an huge part of our family and I definitely know I will have insurance for him and any other dog siblings he has in the future.
A good experience
A good experience, I would recommend it to any new family with pets.
The claims process was simple and quick!
The claims process was simple and quick!
What a fantastic experience I had a…
What a fantastic experience I had with Spot! The app and the website were so easy to navigate and file my claim. Spotcovered exactly what they said they would according to my insurance, and they only took a week to finish the claim and send my refund.
Customer service is excellent. Claims are viewed and paid very quickly.
Customer service is excellent. Claims are viewed and paid quickly.
Always very responsive
Always very responsive. Never had an issue
I love SPOT PET
I love SPOT PET. I've been with them the entire life of my Frenchie. They are always responsive and helpful. Hard to imagine an insurance company when I say that but it's the truth.
Easy to file a claim
Easy to file a claim just sent in paperwork and received a check
Spot Is a Pack Leader
