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
I highly recommend they have been very…
I highly recommend they have been very responsive and covered a lot of bills for my 3 furbabies (cats). Worth it!
Easy and quick claim process.
Easy and quick claim process.
Spot makes it really easy to submit…
Spot makes it really easy to submit expenses and get reimbursed. Getting things set up properly in the beginning of the coverage is important for a smooth process in the future.
When trouble comes Spot is there at 90% reimbursement
Spot ins at approx. 25.00/mo. Is well worth it! When trouble hits,accident or illness,they are there at 90% reimbursement. Claims are relatively quick, about 10 days, and comprehensive coverage for your bill at vet minus waste fees. Great to have when that 1500- 5000 bill hits you at the vet. You may pay 2 or 5 years but eventually they will have your back when your confronted with that huge bill. They covered two claims for the same illness over 2 months totaling about 2300.00 and prescription food from chewy.com. Don't make the mistake of going it yourself! Spot is best at kitten or puppy stage due to not covering pre existing conditions. If you pet has a clean record at vet you can hop on too with 100% coverages. They check vet records so don't think you can sneak your pet with a chronic condition in. Great company,highly recommend!!!
You had different policies to fit our…
You had different policies to fit our pet needs and was easy to reach to you.
I have submitted 2 different claims
I have submitted 2 different claims for one of my cats and the claims were handled in a timely manor and my refund was as stated.
They are very professional
They are very professional, very easy to make my claim.
Spot insurance was there for my boy…
Spot insurance was there for my boy with his much needed surgery. Couldn’t have done it without them.
They have your back!
My Pup is seriously ill. With all the emotions attached to her care. It's nice having an insurance company as Spot. All I had to do was submit a couple items and they handled the rest. The experience was hassle free and the processing was quick. I will definitely continue to use Spot as my pet insurance company.
Fast ,easy and very helpful on the phone
Fast ,easy and very helpful on the phone
Spot Is a Pack Leader
