Fetch Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison
How do Spot plans and Fetch policies differ?
There are some key differences between Spot plans and Fetch plans. Here are a few that you might want to know about:
Fetch plans don't have preventive care coverage options (Spot offers preventive care coverage options for a little extra cost)
Fetch plans don't cover microchip implantation
Fetch plans don't offer a multi-pet discount
Fetch policyholders must have their pet examined within 30 days of policy start (if they haven't been to the vet six months prior to the policy start date).
Prescription Foods
Exam Fees
Alternative Therapies
Behavioral Issues
Chronic Conditions
No Upper Age Limit
One Annual Deductible
Specialists
Hereditary & Congenital Conditions
Dental Illness
Microchip
Preventive Care
Multi Pet Discount
30-Day Money Back Guarantee
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.
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.
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.
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.
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.
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.
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.
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.
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.
Dental Illness
Spot plans cover dental illnesses if you enroll in an accident & illness plan, and Spot plans cover tooth extractions for accidents.
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.
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.
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. *Not available in ME. ME residents receive a 15 day right to examine.
Comparison information is provided using publicly available information as of 10/18/2022 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans is 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. We attempt to keep the information up to date but 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.
4 Reasons to consider Spot plans over Fetch plans
1. Fetch plans don't have preventive care coverage options.
Fetch doesn’t offer preventative care coverage. They also require pet parents to take pets for preventative care visits to remain eligible for coverage.
To support pet parents with routine care and wellness visits, Spot offers Preventive Care coverage options policyholders can add to their coverage for a little extra cost. Preventive care covers the cost of routine services like vaccinations, dental cleanings, and annual wellness exams.
That’s just one example of how Spot plans are designed to help you — and make it easier for loving pet owners to take the best care possible of their pets.
2. Fetch plans don't cover microchip implantation.
Microchip implantation is quick and simple and can help increase the chance that a pet parent and lost pet will be reunited by 80%. All base plans provided by Spot cover microchip implantation.
Fetch plans do not cover microchip implantation.
3. Fetch plans don't offer a multi-pet discount.
We know that many pet lovers can't have just one fur baby! Spot plans provide a 10 percent multi-pet discount for all added pets after the first. With Fetch plans, any added pets will have a full-priced premium insurance plan.
4. Fetch plans do not cover prescription food.
Spot plans cover prescription foods and supplements as long as they are prescribed by a licensed veterinarian.
Fetch plans do not cover any prescription foods.
5. Fetch plans may require an exam within 30 days of the policy start date.
Fetch requires new policyholders to take pets for an annual check-up and dental cleaning within six months of the policy start date to be eligible for coverage.
Spot plans do not have preventive care requirements for coverage eligibility.
Find the pet insurance that’s right for you
We trust that you know your pet best and will bring them in to see the vet when you know they need assistance. That’s why Spot plans don’t just cover exam fees for eligible conditions, but also alternative therapies, like acupuncture, that are prescribed to treat eligible conditions.
Tucker's Road to Recovery
When emotional support dog Tucker experienced a life-threatening injury to his neck, he needed extensive treatment. His pet parent Kim was able to choose the treatment option that would provide Tucker with the best quality of life because of the financial support provided by Tucker's Spot plan.
Cost of Treatment: $4,305
Spot Plan Reimbursed: $3,874.505
Happy Pet Parents Trust Spot
Rated 4.7 / 5 based on 4,698 reviews
Speedy claim processing
First time using the service for our 12 week old puppy. Had her 12 week booster shots and pet visit on the 19th. Submitted claim processed and refunded 2 business days later! Very Impressed!
When I make a claim it is easy and fast.
When I make a claim it is easy and fast.
It was simple to send in my claim and…
It was simple to send in my claim and my reimbursement should be all set by tomorrow
Fast service
Spot is very fast with claim processing.
Glad I have insurance.
Im sad to have to use/need the insurance. Quick reimbursement. Easy to submit through the app. But so glad I have it.
Good service
Good insurance. Quick response. Glad I got it
So far all has been great
So far all has been great. No issues inputting request for reimbursement and has been completed promptly.
Happy pet, happy family!
First the information in all your ads were not only attractive/but tackled the foremost questions a person considers when looking for coverage for their pet. Paper work is very simple add and refunds handled with lightning speed.😉
Outstanding Experience!
We have had a great experience with Spot pet insurance. The only issue we ran into was I downloaded the PDF and emailed my claim. if you do this the email can get lost in the clutter. Once we completed the form online or the App I have heard, our claim was pushed through within days. If you love your pet and are concerned about the high cost of veterinary care, I highly recommend this company.
It was super fast and easy!!
It was super fast and easy!!! It covered everything it said it did.