Trupanion Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison
Say you are considering a Spot plan and a Trupanion Pet Insurance plan but are not sure which to opt for. We’re here to help you find coverage that fits your pet’s individual needs. 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 Trupanion Pet Insurance plan.
See How Spot Plans Stack Up
Both Trupanion and Spot provide cat insurance and dog insurance plans, but you'll find some key differentiators when you compare the two through our convenient comparison.
Taking in these differences and considering how they would play out in your individual pet parent situation can help select a plan that best fits the needs of your dog or cat.
Here are some of the main differences between Trupanion plans and Spot plans:
Trupanion plans don't cover exam fees for covered conditions
Trupanion plan deductibles must be met for each new condition
Trupanion plans’ waiting period for illness is 30 days, while Spot's is 14 days
Trupanion plans don't have a multi-pet discount
Trupanion doesn't provide Preventive Care coverage options or Accident-Only coverage plans
The chart below looks at some of the core features of each provider’s plans. Keep reading for more on what those differentiators will mean for you as a customer.
Behavioral Issues
No Upper Age Limit
Exam Fees
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.
1. Trupanion plans don't cover exam fees for covered conditions. Spot plans do.
Trupanion plans don’t cover exam fees for covered conditions.
With pet insurance plans provided by Spot, you can get coverage for exam fees for covered conditions.
2. Trupanion plans have per-condition deductibles vs. Spot plan's annual deductibles
With a Trupanion policy, you must meet your deductible each time your pet is diagnosed with a new condition.
Spot plans have an annual deductible. After you meet your selected deductible amount for the policy year, you will be reimbursed for eligible expenses for the rest of the policy year.
3. Trupanion plans have a 30-day waiting period for illnesses; Spot plans have a waiting period of 14 days for illnesses.
Trupanion plans' illness coverage waiting period is 30 days. Any condition that your pet develops or is diagnosed with during that 30-day waiting period is considered a pre-existing condition and not eligible for coverage.
On the contrary, Spot accident & illness plans' waiting period is 14 days. There is no waiting period for the add-on Preventive Care coverage options that Spot offers for an additional cost.
4. Trupanion plans don't offer a multi-pet discount. Spot plans do.
Do you have multiple pets? Ask many pet owners. They’ll share that one furry friend simply isn’t enough!
If you add a second, third, fourth, etc., pet to your plan, you will need to pay the full premium price for each of them with Trupanion policies. This goes for Trupanion dog insurance plans as well as Trupanion cat insurance plans.
With Spot plans, all additional pets after the first get a 10 percent multi-pet discount.
5. Trupanion plans don't offer preventive care coverage options or accident-only coverage plans.
Trupanion offers an Accident & Illness plan with the optional add-on of "Recovery and Complementary Care" to provide coverage for alternative wellness treatments. Trupanion will not cover conditions that are considered preventable, but there are no options for Preventive Care coverage with Trupanion. Trupanion also does not offer Accident-Only plans.
This is not the case with Spot. In addition to offering Accident and Illness coverage plans, Spot has an Accident-Only coverage plan option that is a good choice for those looking for a lower-cost premium option to cover only injuries.
Spot also has Preventive Care coverage options that you can add to your plan for an additional cost. Preventive coverage provides you with a set annual amount of coverage for routine care like vaccinations and teeth cleanings.
Frequently Asked Questions
What makes a good pet insurance plan?
A great pet insurance plan should work for your pet and your wallet. Spot's customizable plans let you dial in the right reimbursement rate, annual limit, and deductible, and when it's time to file a claim, the submission takes under a minute with reimbursement sent straight to your bank.
What pet insurance do you recommend for a dog?
Spot's accident and illness plan for dogs help covers serious conditions like cancer and diabetes, along with the treatments that come with them — including prescription foods and medications. With exam fee reimbursement for covered conditions,^ you're supported from diagnosis through treatment.
^Exam fees for wellness or annual exams are not covered unless you have purchased the optional preventive care coverage.
What pet insurance do you recommend for a cat?
Spot's accident and illness plans help cover sick exams, hospitalization, and prescription foods for cats — so whether it's a sudden illness or an ongoing condition, you're prepared. A 10% multi-pet discount* means even more savings if you have additional pets to insure.
*Up to 10% multi‑pet discount available. Discounts vary by state and are subject to change. Not available in all states.
What pet insurance do real pet owners actually recommend?
With a 4.7/5 rating on Trustpilot, Spot consistently earns high marks from the pet parents who matter most — real customers sharing real experiences. It's the kind of track record that gives new pet parents confidence they're making the right choice.
What do pet insurance companies cover?
Spot helps cover both dogs and cats for hereditary and congenital conditions with no breed restrictions — every pet deserves the same quality of care. Add optional preventive care coverage for an extra cost for annual exams, flea and tick prevention, and vaccines to round out a plan that works for your pet's whole life.
Help with stressful vet bills
Spot plans include coverage for acupuncture, hydrotherapy, and chiropractic treatments that are prescribed to treat covered conditions. They also cover behavioral problems, and they don’t have upper age limits for older pets.
Reach out today to learn more about enrolling your pet in a Spot plan.
Happy Pet Parents Trust Spot
Great company!
Ease of submitting the claims and promptness of the reimbursement made this a great experience.
They review and press quickly
They review and press quickly
They are very easy to submit bill and quick turnaround
Very quick turnaround and easy to submit bill.
I think it’s wonderful that when you…
I think it’s wonderful that when you take your dog in you do get money back for getting shots and everything. I think that’s so great cause no insurance don’t do that and they’re so expensive. You guys are a lot better. And when you talk to somebody on the phone, you have any questions, they explain everything really good for you.
Excellent Customer Support with superior coverage.
The Spot Insurance website is very easy to navigate as well as file a claim. Should you have any questions and/or concerns, help is immediately available. Excellent updates are provided with regard to your claims filed allowing you to know the status of your claim. Payment of claims are provided very quickly and directly to your bank account. Excellent company and Customer Support.🐾
I love how fast and easy claims are
I love how fast and easy claims are
Easy and fast procedure
Easy and fast procedure
Received my reimbursement in a very…
Received my reimbursement in a very timely manner. It was also very easy to submit my claim on line
No claims issues
I've received prompt action on every claim I've sent in. I'm very happy with this insurance for my kitty.
100% recommend
100% recommend! Having Spot insurance made life less stressful when we were faced with exploratory surgery in what turned out to be ingestion of a foreign body for our dog, Tucker. It took a couple of weeks for our first claim to be processed. They were quick to answer questions and concerns.
Spot Is a Pack Leader
