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
Spot has been amazing
Spot has been amazing! I tell people all the time to get SPOT pet insurance. I wish human insurance worked similarly. They are easy to work with and seem to share the love of animals just as we do. They really are here to help and do what's best for your pet! We highly recommend!
Quick!!
The claim was sent out to me so quickly!! I had my vet appointment 7 days ago, I think I waited until the night evening to submit the claim and by 8:00 am this morning I had a deposit!!!! Amazing.
After a very expensive trip to the…
After a very expensive trip to the emergency Vet, I filed my claim and was reimbursed for most of the out-of-pocket expenses directly into my account within a very short period of time. It was a true blessing, and I couldn't be more pleased with my decision to purchase the insurance for my pet. Thank you, Spot Pet Insurance!
Great Customer Service!!!
The claim was handled very quickly and efficiently. Great company to work with!! I will keep my Rosie’s insurance with Spot! Thank you for helping make a difficult event easier.
Submitting claims are easy
Submitting claims are easy. Claims are processed quickly.
Great pet insurance
This insurance truly is great!!! I had no issues at all getting reimbursed! Truly pays to have pet insurance since the bills can get pretty high
My pup had to have a TPLO
My pup had to have a TPLO. It was easy to upload the vet invoices, and completion of the review process was quick.
Great experience
Great experience. Claim processed in a timely manner no questions asked
Easy filing
Easy filing, excellent coverage
Spot Is a Pack Leader
