USAA Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison
Compare USAA’s pet insurance plans with pet insurance plans provided by Spot.
Choosing a pet insurance provider is an in-depth process that can easily become overwhelming without the right resources. You want to make sure your pet insurance coverage options cover what you need them to.
That’s why we provide comparison guides.
Today, we’re looking at pet insurance plans provided by USAA and they weigh up against the plan options that we offer.
Because USAA offerings are limited to certain members, it’s important to keep in mind that any offerings from USAA may not apply if you fall outside those circles. Let’s look closer below so you can figure out some of the differences.
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.
Upper Age Limits for New Enrollments
Before diving into other factors, if you’re a parent of an older pet, your pet may not qualify to enroll in Accident & Illness pet insurance plans provided by USAA. If your pet is 15 years old, or older, you will only have the option to enroll that pet in an Accident-only plan.
At Spot Pet Insurance, we know that older dogs and cats tend to experience more accidents and illnesses. Plans provided by Spot don’t have upper age limits.
Microchip Implantation Coverage
Microchipping technology helps pet parents find and reunite with their pets if their pet becomes lost. Microchip implants are covered by base plans provided by Spot.
With plans provided by USAA, microchip implantation coverage is only included with an added Wellness Rewards plan, that you can add to your base plan for an additional cost.
Spot's Base Plans Cover Exam Fees for Covered Conditions
Spot's base plans offer coverage for exam fees for covered conditions. With a plan from USAA, policyholders would need to pay for an add-on in order to get similar coverage.
Coverage for Rx Food and Supplements Prescribed to Treat Covered Conditions
Base plans provided by Spot include coverage for Rx foods and supplements when prescribed by a licensed vet to treat covered conditions (not for general maintenance or weight management).
For similar coverage with plans provided by USAA, you’ll need to purchase the added Wellness Rewards plan.
Tucker's Road to Recovery
When emotional support dog Tucker experienced a life-threatening injury to his neck, he needed extensive treatment. His pet parent Kim was able to choose the treatment option that would provide Tucker with the best quality of life because of the financial support provided by Tucker's Spot plan.
Cost of Treatment: $4,305
Spot Plan Reimbursed: $3,874.505
Happy Pet Parents Trust Spot
Filing a claim is easy
Filing a claim is easy, and reimbursement was fast!
They are always professional and timely…
They are always professional and timely when we have a claim filed.
Spot is spot on
Spot is honest & very helpful. We had expenses we did not expect- appreciate the help with submitting claims and timely payments .
This is my first experience with pet…
This is my first experience with pet insurance and Spot has been very easy to work with and process claims. I have called customer service as well and they were very helpful and kind.
Responsive.
Responsive.
Fast response.
Fast response.
Spot Pet Insurance was outstanding
Spot Pet Insurance was outstanding. The process to upload the vet invoice was easy, they quickly verified the information and within a week the full amount, less deductible of course, was deposited in our account. We couldn’t be happier with Spot.
Zeny
Zeny, a healthy Jindo dog, suddenly began suffering from seizures when she turned four, requiring four emergency visits over the course of seven months. These situations were quite distressing, and each visit cost over $800; Spot Pet Insurance covered a portion of the expenses. Most recently, she had to go to the emergency clinic again due to a leg injury; the bill came to $641.73, and I received a check for $440.59 from Spot Insurance. I’m glad I signed up with Spot Insurance; they are highly trustworthy, kind, and responsible.
Thankful and grateful …
Having Spot has literally saved my Rotti's life ! He had urinary problem ; took him to our vet and we found out his situation was more serious then we could have ever imagined. He had xrays and tests and turned out he needed the help of a specialist ,he had over 100 bladder stones .We would have sold everything to save him ; his surgery and care was almost $8000 by grace of God we had Spot. We of course paid the bill and his coverage guaranteed 80% of that monies back .I will never go without Spot to cover all my furbabies needs.
Jackie and Rocky
We adopted 2, 13 month old kittens (bonded brothers) and one was the "runt of the litter". The bigger one fell off a desk backwards onto a glass compote, breaking one vertebrae and cracking another. Fortunately he was able to walk, and didn't lose any functions. He did have to "crated" for 8 weeks to limit his mobility and heal. They both have had asthma issues, the little guy more so and more often. We are thankful that we have had coverage that actually pays for 80% of the emergency room and Vet bills.
Spot Is a Pack Leader
