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.
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
No 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.
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
Easy to make claims
Easy to make claims. No gimmicks or weird rules. I received my refund fast and accurately.
staff was friendly
staff was friendly, quick & made sure I knew and understood all my options
Would Recommend!
Easy to submit claims. Clear on what is covered and what isnt. Really made the financial part of a recent pet emergency less stressful.
Very good customer service and fast…
Very good customer service and fast return on claims
No regrets choosing Spot Pet Ins.
The coverage is very good and the claims process is easy and fast.
easy to apply
easy to apply
They pay the claims!!!
I have had all positive experiences so far dealing with getting reimbursement for the claims on my dog and cat. I am always nervous that they are going to try to find some reason to deny or reject all or part of the claim, just based on them being an insurance company! But I've had Spot for a year and a half now, and I have to say, it's all been on the level. Very fair. What a relief!
Quick response and action for clam.
Quick response and action for clam.
So helpful
So helpful, knowledgeable and fast. Couldn’t be happier.
Easy to work with
Easy to work with, response time was good.
