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Multi Pet Discount
Preventive Care
Microchip
Dental Illness
Hereditary & Congenital Conditions
Specialists
One Annual Deductible
No Upper Age Limit
Chronic Conditions
Behavioral Issues
Alternative Therapies
Exam Fees
Prescription Foods
30-Day Money Back Guarantee
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.
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.
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.
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.
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.
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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
Meet Benji
British short hair, 5 years old, furniture destroyer
Spot plans cover behavioral problems with symptoms like excessive chewing and aggression.
Spot plans include coverage for microchip implantation by a veterinarian.
Healthy Paws plans don't cover behavioral problems
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.
Microchip Implantation
Spot plans include coverage for microchip implantation by a veterinarian.
Exam Fees
Spot plans include exam fees for covered conditions, excluding annual physical exams, once the deductible is met.
Accident-Only Plan Available
Spot offers an Accident-Only plan option as well as the more extensive Accident & Illness plan option.
Dental Illness
Spot Accident & Illness Plan covers dental illnesses like Gingivitis and Spot plans cover tooth extractions for dental accidents.
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.
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.
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.
One Annual Deductible
Spot plans offer several annual deductible options so you can pick the annual deductible that’s right for you.
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.
Happy Pet Parents Trust Spot
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Website ease oSuper Easy!f use.
Website ease of use.
Very easy enrollment
Very easy enrollment! No claims submitted yet so we will see how long the process takes! Thank you!
Customer service
Customer service has been thee best.
Very easy enrollment and best quote out…
Very easy enrollment and best quote out there!
Great company with great rates
The application process went very smooth and I have downloaded the app. Everything was seamless and now I will wait to see how the reimbursement process goes. Spot won my business after spending a lit of time comparing companies.
Nothing yet
Nothing yet. Haven’t needed to use Spot yet
Good customer service
I was having trouble on the website so I called and promptly got to a knowledgable person who answered all my questions. Sign up was easy and the price was better than others.
Has everything we need
Has everything we need
Very helpful and knowledgeable
Very helpful and knowledgeable
SYSTEM
VERY EASY TO GET QUOTE, JOIN AND COMPLETE.