UnderwritingEmployers & Partners
Spot Pet Insurance

Pet Insurance Comparison

  • Microchip implantation coverage
  • No per incident or lifetime cap
  • Visit any vet in the U.S. or Canada
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Competitor Comparison

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Preventive Care

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Multi Pet Discount

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Microchip

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Dental Illness

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Hereditary & Congenital Conditions

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Specialists

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One Annual Deductible

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No Upper Age Limit

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Chronic Conditions

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Behavioral Issues

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Alternative Therapies

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30-Day Money Back Guarantee

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Exam Fees

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Prescription Foods

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Healthy Paws

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Pawp

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Trupanion

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Lemonade

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Geico

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Metlife

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Liberty Mutual

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Figo

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Nationwide

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Prudent Pet

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USAA

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Fetch

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Wagmo

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ManyPets

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AKC

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Progressive

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Embrace

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PetsBest

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Preventive Care

Treatment for the purposes of avoiding an illness or injury or for the promotion of general heath, where there is no underlying illness, injury, or symptoms. Dental cleaning, wellness exams, deworming, flea/heartworm prevention, fecal and blood test, and more! Spot provides options to add preventive care coverage for extra monthly costs.

Multi Pet Discount

Insure one, discount the rest. Spot plans provide a 10% multi-pet discount for every additional pet insured. *Liberty Mutual gives 5% discount for first additional pet, and 10% for 3 or more.

Microchip

Your core policy covers microchip implantation by a veterinarian; not any associated fees for registration, monitoring, or renewal. *With Pets Best, Prudent Pet, Embrace, Geico and Trupanion, an additional monthly fee is required. *Included in Nationwide's and Liberty Mutual's Wellness packages for an additional monthly cost.

Dental Illness

Spot plans cover dental illnesses if you enroll in an accident & illness plan, and Spot plans cover tooth extractions for accidents.

Hereditary & Congenital Conditions

This coverage is for the costs of eligible inherited illnesses and that don't show symptoms until later in your pet's life, like heart disease, IVDD, eye disorders, and hip dysplasia. *Healthy Paws does cover hereditary conditions, though pets enrolled after age 6 are not eligible for hip dysplasia coverage. *With Embrace, pets enrolled after age 6 are not eligible for hip dysplasia coverage. *Pawp covers hereditary and Congenital conditions only related to life-threatening emergencies.

Specialists

Spot understands the importance of timing, which is why we’re proud to offer you plans with coverage at any licensed vet, emergency clinic or specialist in the US.

One Annual Deductible

Spot plans allow you to select from a range of annual deductible amounts. Once you meet your annual deductible, Spot plans will reimburse a percentage of covered expenses, according to the reimbursement percentage you select, up to your annual limit.

No Upper Age Limit

Tired of being told no? Spot plans don't place an upper age limit on coverage. *With Nationwide, only pets 10 years of age or younger may enroll in a Major Medical Plan. *With Embrace and USAA, pets of any age can be insured but pets 15+ are restricted to enrolling in new accident-only plans. *** "No upper age limit*** data in table with "Y" means pets are covered and can enroll in a new plan regardless of old age. "N" means there is a maximum age to enroll or be insured.

Chronic Conditions

These are accidents & illnesses that need care across multiple plan period, such as diabetes and cancer. With accident & illness pet insurance plans provided by Spot, you don't have to worry about a condition becoming ineligible for coverage just because it is ongoing.

Behavioral Issues

This coverage can help with eligible costs for veterinary visits for concerning behavioral issues that may be related to anxiety or compulsive behavior, like excessive licking, fur pulling, and destruction of home. *Trupanion behavioral issues coverage are available for an additional cost. *Fetch only covers up to $1k towards behavioral issues each year. *Metlife coverage available for an additional cost.

Alternative Therapies

There are all sorts of alternative therapies now involved for pets, such as acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy. Spot plans can reimburse you for alternative therapies your pet might need to treat a covered condition.

30-Day Money Back Guarantee

Take the time to understand if this service is for you and your furry pal. Test it out and determine if it’s right for you with our 30-day money back guarantee. *30-day money back guarantee only available if no claims have been covered. Not available in NY.

Exam Fees

Once your deductible is met, exam fees for accidents and illnesses related to covered conditions are covered. Annual physical exam fees are not covered. *With Figo, Prudent Pet, Liberty Mutual, and Pets Best, an additional monthly fee is required. *With Pawp, Exam Fees are only covered in life-threatening emergency situations, and only 1 emergency a year.

Prescription Foods

## Prescription Diets & Dietary Supplements A food that is prescribed by your veterinarian to treat a covered condition, with guaranteed analysis and safety standards. Spot plans don't cover the following prescription diets: treats, general health maintenance diets, weight loss diets, puppy or kitten diets, homemade diets, or raw food diets, even if prescribed or dispensed by your veterinarian. *Figo only covers food to treat bladder stones / crystals for up to 6 months *With Pets Best, an additional monthly fee is required. *Prudent Pet only covers prescription food costs to treat bladder stones and crystals for a limited time. *Fetch only covers prescription supplements, not prescription food. *Manypets covers prescription supplements, not prescription food.

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Spot Plans for Pets

See how Spot plans stack up against those of other pet insurance providers.

Side-by-side comparison²

Spot Plansvs.Healthy Paws Plans

Behavioral Issues

our featured pet

Meet Benji

British short hair, 5 years old, furniture destroyer

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Spot plans cover behavioral problems with symptoms like excessive chewing and aggression.

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Spot plans include coverage for microchip implantation by a veterinarian.

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Healthy Paws plans don't cover behavioral problems

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Healthy Paws plans don't have microchip implantation coverage.

COMPARE PET INSURANCE PLAN BENEFITS

Let Spot Plans Help Lead Your Pet’s Care

When you love your pet like family, you help treat them to the care they deserve if they become sick or hurt. Spot plans are all heart and packed with coverage benefits to help ensure your pet feels loved and protected, and help you feel peace of mind.

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Microchip Implantation

Spot plans include coverage for microchip implantation by a veterinarian.

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Exam Fees

Spot plans include exam fees for covered conditions, excluding annual physical exams, once the deductible is met.

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Accident-Only Plan Available

Spot offers an Accident-Only plan option as well as the more extensive Accident & Illness plan option.

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Dental Illness

Spot Accident & Illness Plan covers dental illnesses like Gingivitis and Spot plans cover tooth extractions for dental accidents.

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Preventative Care Requirement to Cover Certain Illnesses

Spot plans do not require an annual wellness exam or specific vaccines to be eligible for coverage for certain illnesses.

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Hereditary & Congenital Issues

Spot Accident & Illness plan includes coverage for costs of eligible inherited illnesses that don't show symptoms until later in your pet's life, like heart disease, IVDD, eye disorders, and hip dysplasia.

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Behavioral Issues

Spot Accident & Illness plans can help cover eligible costs for vet visits concerning behavior problems relating to anxiety or compulsive behaviors like excessive licking and destruction of home.

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One Annual Deductible

Spot plans offer several annual deductible options so you can pick the annual deductible that’s right for you.

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No Upper Age Limit

Spot plans don't put an upper age limit on new enrollments, and they don't reduce coverage due to old age.

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