Prescription Food Coverage
Many pets require prescription foods to help manage health conditions. Figo plans will only cover the cost of prescription foods to treat bladder stones or crystals for up to 6 months but Spot plans can cover this if prescribed by your vet to treat a covered condition.
Exam Fees Covered
Figo does not cover the cost of exam fees for conditions covered under their plan, without the purchase of an additional rider. With any base plan from Spot, you can get up to 90% cash back for exam fees for covered conditions.
Microchip Implantation Coverage
Microchipping your pet increases the chance of reunification if you ever become separated. Every Spot covers microchip implantation under every plan. Figo plans don't cover microchip implantation.
Exam Fees
Microchip
Prescription Foods
No Upper Age Limit
One Annual Deductible
Preventive Care
Multi Pet Discount
Behavioral Issues
Dental Illness
Alternative Therapies
Hereditary & Congenital Conditions
Chronic Conditions
Specialists
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.
Multi-Pet Discount
Spot understands that the cost of caring for multiple pets can quickly add up. With a plan from Spot, you will receive a 10% multi-pet discount for every additional pet after the first, helping to lower your premiums. Figo only offers a 5% multi-pet discount.
Get More from Spot
Spot is America's Favorite Pet Insurance for a reason. Not only do we offer customizable plans to fit your budget, we also proudly provide access to discounts on your favorite pet products and 24/7 access to a dedicated pet tele-health helpline.
As part of our mission to help pets lead happier and healthier lives, we’ve sourced the best deals for you and your pet.∞
Discounts on Pet Products and Services
Curated list of offers for easy access
Variety of Brands and Services
Get unlimited, 24/7 virtual pet care for everything from nutrition advice to behavioral guidance for your pet.
Access to 24/7 vet experts
Call or chat options available
Ask any question about your pet’s health
Happy Pet Parents Trust Spot
They handled my claims very quickly
They handled my claims very quickly. When I had to call and needed help the r representative was very helpful too.
Spot insurance processed my claim…
Spot insurance processed my claim quickly! Also, their website is extremely easy to use. This is my first time having pet insurance and I'm so happy I went with Spot :)
Easy and quick response
Very easy to understand and sign up. I got a very quick response to my first claim submission as well. Reasonable rates and different levels of coverage.
Ally's visit went very well, ty. Pet insurance is very important
Sign up was easy, the monthly fee is affordable and the service is Spot on ( excuse the pun ) overall a very good experience.
Very quick at processing claims &…
Very quick at processing claims & affordable monthly premiums.
Fast response
Fast response
Love the prompt turn around of…
Love the prompt turn around of reimbursement. Appreciate the website where you can follow the progress of the submission for reimbursement.
You are doing amazing
You are doing amazing. I love this company!!!!!
Easy to submit claims
Easy to submit claims! Quick reimbursement with direct deposit. Submitted my first two claims and the process was smooth and efficient.
Helpful with coverage an options
Helpful with coverage an options
*Spot plans provide a 10% multi-pet discount for every additional pet insured.