Geico Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison
Choosing a pet insurance provider is a huge decision. You have house insurance and auto insurance, but is pet insurance worth the investment? You stay on top of their health in other ways, making sure they have their vaccinations and spaying and neutering as needed on top of routine care. What else can you do? As a good pet parent, you want to ensure your pup has the best coverage possible. There are a lot of different providers’ plans to look through, each with its own pros and cons.
See how Spot plans stack up
You need a pet insurance provider who wants to help you find a plan personalized to suit you. At Spot Pet Insurance, we offer exactly that — but so does Geico. Both Geico and Spot offer pet insurance plans that provide access to a 24/7 pet telehealth service (Spot plans 24/7 telehealth service is powered by VetAccess™).
How can you determine which plan is better, whether you’re looking for cat insurance, dog insurance, or something else? We can help you find that peace of mind.
We’ve provided a helpful list of some differences between pet insurance plans provided by Spot and Geico to help you find the pet insurance policy your pet needs.
Competitor Comparison
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30-Day Money Back Guarantee
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
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.
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.
Spot Pet Insurance plans have a 14-day waiting period for orthopedic conditions
For the accident & illness plans provided by Spot ,the waiting period for all conditions is 14 days. That means there is a 14 day waiting period for orthopedic conditions too.
Plans provided by Geico have a 180 day waiting period for orthopedic conditions, like hip dysplasia. You have to wait six months for your orthopedic conditions coverage to start. However, you can possibly reduce the waiting period to 2 days for orthopedic injuries and 14 days for orthopedic illnesses by completing a waiver process. To complete the waiver process, you will need to take your pup toa vet for an orthopedic exam. If the vet doesn’t find any signs of an orthopedic condition, then your waiting period will be reduced. You will need to pay for that vet visit out of pocket unless you purchase a wellness plan or other type of plan from Geico that covers the exam.
Spot plans include coverage for microchip implantation
Although we know your pet loves you, we also know that your pet might wander off on an adventure by themselves. Your pet might get lost on such a journey, and a well-meaning soul could take them to the nearest vet or animal shelter to help your furry family member find their way home.
Because of situations like these, all core plans offered by Spot Pet cover microchip implantation. You do not need to purchase an add-on to get the coverage. We want to help ensure that you and your pet can be reunited as a happy family as quickly as possible. With a microchip, anyone with a scanner can learn your information to return your dog or cat to you.
Core pet insurance plans provided by Geico do not cover microchip implantation. However, you can get coverage for microchip implantation if you purchase the wellness plan add-on offered by Geico. If you want microchip implantation covered, you have to pay a little extra for the additional wellness plan.
Spot Pet Insurance provides plans for seniors
Many pet insurance plans will place an upper age limit on new enrollments. The older a dog or cat gets, the more health issues they will likely end up having. Older pets are especially prone to illnesses.
With pet insurance plans provided by Spot, you can sign up for a plan even if your pet is getting on in years. We want your furry companion to be comfortable and enjoy life in their old age, so the accident and illness plans we offer don’t have an upper age limit.
Geico’s Pet Insurance will provide an accident-only plan for your elderly pet. However, if your pet is over 15 years old, they can’t enroll in a new accident & illness plan.
If you are the proud owner of a senior pup or kitty and need a new insurance plan, they can enroll in an accident & illness plan provided by Spot. You won’t be able to enroll your pet in an accident & illness plan provided by Geico if you pet is older than 15 years old.
The Pros of Spot Pet Insurance
At Spot Pet Insurance, we want to help make sure your pet can be well cared for. We know you have a lot of insurance plans to look into, but we hope we’ll be allowed to help you and your pet. If you want side-by-side comparisons of Spot Pet Insurance plans and plans provided by other popular pet insurance providers, check here.
Happy Pet Parents Trust Spot
Rated 4.4 / 5 based on 2,243 reviews
Showing our 5 star reviews
Wonderful when my baby passed
My Yorkie passed away and Spot was great They took care of everything and were so compassionate. The claim was paid promptly with no issues.
Spot Insurance provides such an added relief knowing you have it to help with vet costs! The claim entry process has been easy and flawless!
Spot Pet Insurance has made every thing so easy, from selecting our policy to entering claims, The claim process has been efficient in letting us know when our claim was accepted, in processing and payout % easily deposited into our bank account.
You get what you pay for
You get what you pay for. These guys aren't the cheapest, but I did my homework and their coverage is very broad. I've made claims and been reimbursed promptly per the policy. They don't mess around with tiny print exclusions. I've insured my two goldens with them for over a year now and am happy for the peace of mind that they pay what they owe and I get what I expected.
Refund speed
The process to submit claims and receive the money with direct deposit is seamless. Many times once the claim has been paid out I get the refund same day.
This is from submitting receipts for…
This is from submitting receipts for 2022. I had a few and one just barely made the cutoff, but they were all paid very successfully and with a very attractive reimbursement amount. I'm not remembering for certain but it was 80% or more of my vet bills.
Regresan el dinero en el tiempo correcto
Muy buen servicio
The ease of submitting claims and…
The ease of submitting claims and prompt action when reviewing.
Fast service
Fast service! No problems
Solid Service
Reasonable rates. Claim submission is a breeze with responses normally within a week.
Amazing
Amazing! Easy to use app, quick reviews and reimbursements after submitting all the medical records. They are true to the contract and zero hassle! So happy with Spot insurance for my large breed dog!
