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
Does Trupanion cover exam fees?
No — Trupanion doesn't cover exam fees for covered conditions. Spot includes exam fee coverage for eligible conditions in its base plans.
How does Trupanion's deductible work?
Trupanion uses a per-condition deductible, meaning you have to meet your deductible again each time your pet is diagnosed with a new condition. Spot uses an annual deductible — once you meet it, you're covered for eligible expenses for the rest of the policy year.
How long is Trupanion's waiting period for illness coverage?
Trupanion has a 30-day waiting period for illnesses. Spot's is 14 days.
Does Trupanion offer a multi-pet discount?
No — Trupanion charges full price for every pet on the policy. Spot offers a 10% multi-pet discount for every additional pet.
Does Trupanion offer an Accident-Only plan or Preventive Care coverage?
No — Trupanion only offers Accident & Illness plans, with no Preventive Care add-on. Spot offers both an Accident-Only plan and an optional Preventive Care add-on for routine costs like vaccinations and teeth cleanings.
Does Trupanion offer pet insurance as an employee benefit?
Trupanion doesn't offer a standard, flat-percentage employer discount across participating employers. Spot offers pet insurance as an employee benefit with a 10% employer discount.
Choose Spot if You Want a Lower Illness Waiting Period, an Annual Deductible, and a Multi-Pet Discount
Spot's illness waiting period is 14 days versus Trupanion's 30, uses one annual deductible instead of a new one per condition, and offers a 10% discount for every additional pet — none of which Trupanion provides.
Comparison information is provided using publicly available information as of [DATE] and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans is 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. We attempt to keep the information up to date but 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@spotpetins.com.
Happy Pet Parents Trust Spot
Easy Process
The process of submitting a claim was very easy and quick. My claim was processed within a matter of a few days, and my refund was deposited into my account quickly as well. Overall a very smooth and easy process.
Murphy’s teeth cleaning
Easy process!
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Spot offers more for the money. Their claims process is so easy and are quick with reimbursement. I am very happy with my service so far.
This is our first time getting pet…
This is our first time getting pet insurance. It was very easy going online and getting a monthly price. I had a few questions and do I called the customer care phone number. Star was amazing! She answered all of my questions and put me to ease. She also helped me register! We have already seen the vet for our pies wellness exam and round of shots. We uploaded the information needed and heard a response quickly from Spot that our claim was accepted. So far, Spot has been a pleasure to work with! Thank you!
Very easy and quick claims process and…
Very easy and quick claims process and received my payment very quick!!
Claim Processing / App
Claim was processed quickly and the app is super easy to use, funds deposit via direct deposit in just a few days.
I love SPOT Pet Insurance
I love SPOT Pet Insurance! My dog, Chica, recently had to have CCL surgery and they were so quick to respond after I filed the claim. I can highly recommend them for other pet owners!
Customer service is excellent
Customer service is excellent. Always answered questions that I had. Very helpful with any concerns.
Claims are easy Reimbursement very quick
The process for filing a claim is very easy. The reimbursement was very fast. I would recommend this pet insurance to any pet parent!
Best pet insurance out there!
Best pet insurance out there!! They're proactive in reaching out for medical records from vets as needed and turnaround time for claim processing is quick! Glad I chose SPOT!!
Spot Is a Pack Leader
