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.
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.
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.
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
Having Spot for my Odin really came in…
Having Spot for my Odin really came in handy when he lost mobility in his back legs and had to get an MRI and a spinal tap. Helped me not worry about the cost and more on my fur baby! Thank you!
Very easy to process a claim!!!
Very easy to process a claim!!!
Spot pet insurance is fabulous!
Submitting the claim for our dog's annual vet visit was super easy on the app! We got our reimbursement within a couple of working/business days. Will continue to encourage people with pets to use Spot pet insurance every chance I get! Thank you Spot!
Spot Insurance is very affordable
Spot Insurance is very affordable! I like that they fully reimbursed me for Charlie's physical exam and vaccine. I also like that the claim forms are short to complete and quickly processed.
SPOT is easy to work and always…
SPOT is easy to work with and always helpful when I call with questions. Their processing is quick and provide good communication on claims or requests for an estimate. This is the first time having insurance on my older puppers and am very happy to have SPOT coverage.
Very happy with claim process & reimbursement
I’m always nervous about whether an insurance company will actually reimburse, and when we moved and had a stressful time, with one of my dogs having pancreatitis, then a month later she got out and got an infection in her leg from a scuffle with another animal, and also had a vet recommended prescription food and a specific probiotic powder for her suspected allergies/licking that worsened after antibiotics, Spot processed the claims within a few days and paid them as expected! They covered everything (after deductible) at 70% as that was the coverage level I had chosen, with the exception of a few small unrelated/not covered fees. Total reimbursement was about $1,000. I opted for checks for the claims which took a bit longer to arrive, but they have an option for direct deposit so I may set that up in the future. I had a higher deductible set ($1,000) which I have now lowered for this upcoming annual renewal, now that I know that the claims process goes well! Since pet insurance companies don’t generally cover pre-existing conditions, definitely consider getting coverage early/ASAP for your dogs. It is a huge help with high, unexpected expenses.
Quick process for claims.
Quick process for claims.
Exceeded Expectations
The process was simple and the reimbursement was very quick.
Money Back Fast
I filed my claim and before I knew it, I had a direct deposit of over $300 back in my account. Super easy process and quick turnaround. Thank you spot!
Spot pet insurance has been great
Spot pet insurance has been great. It’s easy to file a claim and reimbursement is deposited straight into my bank account.
Spot Is a Pack Leader
