Different colored kittens. Spot differ from Trupanion

As you shop around for pet insurance, you’ll recognize many important areas in which Spot Pet Insurance compares against its competitors. Below are several key areas in which Spot differentiates from Trupanion.

Exam Fees

Spot plans include coverage for exam fees for covered conditions, which are a part of almost every veterinary bill.

Trupanion doesn’t cover exam fees for covered conditions.


With Spot, you can select a deductible of $100, $250, or $500. And you’ll only need to satisfy it once per 12-month policy period.

With Trupanion, your coverage has a per-condition deductible. Each time your pet is diagnosed with a new condition, you’ll need to meet the deductible before you can get reimbursed for treatment.

Illness Waiting Period

The waiting period for Spot plans is only 14 days.

Trupanion’s illness coverage waiting period is 30 days. They consider any illness your pet experiences in that first month a pre-existing condition and will not be eligible for coverage.

Preventive Care Coverage 

Spot plans offer preventive care coverage at a low additional cost.

Trupanion does not offer preventative coverage.

Accident Only Plan

You can also get a Spot plan just for covering accidents.

Trupanion doesn’t offer an accident-only option.

Alternative Therapies and Behavioral Conditions

Spot coverage includes alternative therapies like acupuncture and behavioral conditions like destructive chewing.

Trupanion offers such options as add-ons.

Prescription Food

Spot covers prescription food, excluding for weight loss, without a separate reimbursement percentage or time limit.

Trupanion offers coverage for prescription food, but for a maximum of two months, and only for up to 50% of the cost.

Multiple Pet Discounts

Spot gives you a 10% discount for each additional pet that you insure.

Trupanion doesn’t offer discounts for insuring more than one pet.

With Spot, we’re committed to helping pets lead longer, healthier lives; providing health insurance with first-class service and the highest-quality coverage. It takes less than 30 seconds to fetch your free quote!

The content of this comparison is intended to summarize features of the program offered by another provider and does not outline a specific plan. The summary is not that of the other provider. The comparison is based upon plan information available to the public as of 11/1/2019. See the terms of the provider’s plans to learn more. Questions about a provider’s plans should be directed to that company. We work to maintain accurate, current information. If you notice any content that requires updating, please contact us via email at service@customer.spotpetins.com or by mail at Spot Pet Insurance Services LLC, 400 Clematis St. #208, West Palm Beach, FL 33401.