Trupanion Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison

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.

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No Upper Age Limit

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Exam Fees

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Behavioral Issues

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Preventive Care

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Prescription Foods

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Alternative Therapies

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Chronic Conditions

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One Annual Deductible

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Hereditary & Congenital Conditions

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Dental Illness

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Multi Pet Discount

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30-Day Money Back Guarantee

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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

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.

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Have More Questions?

Visit our blog to learn more about how pet insurance works and the benefits it can offer you and your pet.

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What Does Pet Insurance Cover?

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What is the Waiting Period in Pet Insurance?

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What are Pre-existing Conditions?

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How Does Pet Insurance Work?


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