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AKC Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison

AKC Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison

In the US, over 40% of people own a pet. Now that’s a big number and one which proves that the US is a pet-loving country. Some pet owners are struggling with high vet bills, sleepless nights, anxiety, and tension. We obviously love our pets and wouldn’t want our pets to be sick or get some injury and in case if and when that happens, only the best care is given to them. Now there are several diseases like cataracts, skin infections, hip dysplasia, elbow dysplasia, GDV, cherry-eye, IBD, etc. which can affect our pets. We may not be able to stop these diseases and infections from getting to our pets all the time Sometimes our wallets would allow the expenses but in others, the vet bills can run huge and even into thousands at times. This is when accident & illness pet insurance can help.

Spot Pet Insurance Vs. AKC Pet Insurance Plan Comparison

It is very important to choose a pet insurance provider properly. One who cares about the pet and the pet parents both and understands the challenges they go through at the time of illness. We wouldn’t want you to choose one whose policies don’t favour you and do not make you feel peaceful at night knowing that you’re insured.

There are certain things that you should have on your checklist before finalizing the pet insurance provider:

  • Benefits covered in the insurance plan offerings

  • Faster claim processing

  • Annual coverage

  • Exclusions from the policy

  • Reviews and testimonials

  • Friendly and transparent policy offering.

Spot pet insurance is a pet and pet-parent first provider. We believe that the best insurance for you is the one that lets you sleep at peace at night, knowing that your pet is insured and hence covered.

Finding good and suitable pet insurance plans can be time-consuming and difficult. With hundreds of web pages offering content on how to choose the best pet insurance and every other page claiming that they are the best. And then there are rating agencies, most of which are paid to put a company’s name on top as the best. Our goal is to declutter the information for you and simply compare ourselves on the standard parameters of offerings and benefits and help you make a decision.

Our mission is to make it as easy and transparent as possible for you, as a responsible and loving pet parent, to go through the insurance claim process because we know that the sickness of your pet is already making you feel low and sad.

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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AKC

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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.

Spot Pet Insurance Plans vs. AKC Pet Insurance Plans

This article compares AKC Pet Insurance plans to Spot Pet Insurance plans. And here are some factors on how the plan options differ –

Prescription Diets

What pets eat matters a lot, as it decides their immunity, health, recovery from diseases, and energy levels as well. There might be cases where your vet would prescribe a specific diet to treat a certain disease. Spot accident & illness plans cover the eligible expenses for foods prescribed to treat a covered condition. They don’t cover foods prescribed for general health or weight maintenance. AKC plans wouldn’t cover these.

Microchip Implantation

Did you know that a lot of pets are lost in the United States alone and don’t even find their way back home? Pets that are microchipped are more easily located if they’re lost. We highly recommend microchipping to all pet parents out there. Plans at Spot include coverage of microchip implantation in all core plans. AKC Pet Insurance plans require an add-on endorsement for an additional cost in order to cover microchip implantation.

Hereditary and Congenital Conditions

Pets, especially dogs can inherit some diseases from their parents. The treatment costs can be huge at times because these diseases can be chronic. Spot accident & illness plans cover hereditary and congenital conditions.

AKC plans require an add-on endorsement for an additional cost in order to cover hereditary and congenital conditions.

Dental Illnesses

Pets like dogs and cats are highly prone to several dental illnesses in their lifetime. And these can be quite costly to treat. Spot accident & illness plans cover dental illnesses and tooth extractions for dental accidents.

The above pointers are where both providers’ plan options differ. There are some common offerings as well that you as a parent can avail with plan options offered by both providers. These include –

  • Alternative Therapies – Both providers’ plan options cover alternative therapies that are prescribed to treat covered conditions. Modern or actually traditional therapies like acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy are now common and effective amongst pets as well. These can help become a catalyst for your pet’s recovery.

  • 30-day money-back guarantee – We at Spot offer you a 30-day money-back guarantee, in case you don’t feel it is the right one for you (the chances of you not liking us are low but having an option helps). The 30-day money back guarantee is not available if a covered claim has been filed, and it isn’t available in New York.

  • Preventive Care Requirements – Some illnesses would need preventive care as a pre-requisite for them to be covered under the insurance policy. It’s like saying you didn’t take proper precautions and hence the plan wouldn’t cover the illness. We don’t do that.

  • Multiple Pet Discount – There are plenty of households in the US that own multiple pets. So, Spot offers a 10% multi-pet discount on every additional pet you insure. We know how difficult it can get to maintain pets at times. This is a little kind gesture from our end. AKC offers a multiple pet discount too.

  • No upper age limit – It wouldn’t sound good to you if someone said your pet is too old to be insured and you better shell out those hefty vet bills from your pocket, right? We know that and we don’t make anyone feel that. The plans we offer have no upper age limit for your pet to be insured and nor do AKC plans.

  • Accident-only plan – Both of us provide an option to have an accident-only plan.

  • Behavioural issues – Aggression, separation anxiety, and cat-to-cat aggression are some examples of behavioural issues that your pet might face. Accident & illness plans offered by Spot and AKC both cover the eligible treatment for behavioral problems as well.

  • Preventive Care Option – It’s always better to avoid illnesses by taking extra precautions and care. Both providers offer add-on preventive care coverage options for an extra cost.

  • Exam Fees – Exam fees for covered conditions are covered by plans offered by both of us

  • Chronic Conditions – Diabetes and cancer are examples of chronic illnesses that need prolonged care. They are covered by accident & illness plans offered by both Spot and AKC.

  • Specialists – It is possible that your pet might need a licensed specialist vet visit at a time of a complicated surgery or an emergency for a covered condition. The vet bills here can be higher than normal. Plans at Spot and AKC would cover the eligible costs for the same.

We believe the best way to know which insurance is best for you is to check for the benefits and coverage it offers and then decide by looking at the pet breed you own and the probable illnesses it might get. Nonetheless, we try to choose extensive plans to offer. We now leave the decision to you to choose the best pet insurance for your pet. We trust you in the fact that you would not want to compromise on anything when it comes to your lovely pet.

Happy Health and Mood to your Pet baby and Lots of Love and Licks to you!

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