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
/
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
Fast reimbursement!
Every time that I have ever made a claim, it was paid in a very timely manner! The last claim was paid in three days, excellent work!
They do what they say they will.
They do what they say they will.
Easy
Easy, fast claims
Well Done Spot
As usual, Spot was timely and professional in handling our latest claim. We have a 2 year old Golden Retriever, who has gotten himself into trouble several times, necessitating emergency Vet services. He has recovered each time and the claims process was handled in a very satisfactory manner. Well Done Spot! Thanks.
Well worth the low monthly premium
My 1.5 year old Yorkiepoo has allergies and receives monthly shots. Also, had him at the ER recently which was quite costly. The App is so easy to submit the claims and the response time is phenomenal! We received our large ER reimbursement in 3 days from my submitting same. The allergy shot reimbursements are just as quick! I am so pleased with Spot Pet Insurance and highly recommend it.
Very grateful for Spot
Very grateful for Spot! My cat just had an emergency and it was really easy to submit my claim. I was really surprised at how fast they processed it and got me my reimbursement. I thought because it was a large amount it would take longer but it didn't. Less than a week. My only complaint is that you can't change parts of your plan after you've already made one. This experience made me realize I need to change my annual refund limit, but, even at a new year you can't change it. I'd have to cancel and make a new plan.
Fast and accurate claim response
Fast and accurate claim response. I’m very pleased with the 2 claims and associated processing.
Simple process to make a claim and get…
Simple process to make a claim and get your settlement.
Spot Pet Insurance is spot on!
It took my dog getting sick to realize what a jewel we have in Spot Pet Insurance. Every claim that I filed was acted upon promptly and I received the compensation that I expected. There was 1 claim that was not fully paid at first, but after I called and explained the situation, that claim was reopened and compensation was paid. I hope I never have to use this insurance again, but am so glad that we have it.
They made it simple to submit a claim…
They made it simple to submit a claim for my dog.
Spot Is a Pack Leader
