USAA Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison

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.

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Prescription Foods

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Exam Fees

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Alternative Therapies

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Behavioral Issues

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Chronic Conditions

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No Upper Age Limit

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One Annual Deductible

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Hereditary & Congenital Conditions

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Dental Illness

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Preventive Care

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Multi Pet Discount

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30-Day Money Back Guarantee

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Comparison information is provided using publicly available information as of 10/18/2022 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans is 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. We attempt to keep the information up to date but 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

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

Have More Questions?

Visit our blog to learn more about how pet insurance works and the benefits it can offer you and your pet.

What Does Pet Insurance Cover?

What is the Waiting Period in Pet Insurance?

What are Pre-existing Conditions?

How Does Pet Insurance Work?


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