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.
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.
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 to a 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 be enrolled 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 your pet is older than 15 years old.
Spot Plans Cover the Cost of Prescription Medication and Supplements
Plans from Spot Pet Insurance cover the cost of prescription medications and supplements if they are prescribed by a licensed vet to treat a covered condition.
With a Geico plan, you will have to purchase an add-on for your policy for prescription medications to be covered. Prescription supplements are not covered by Geico plans.
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.
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 4,707 reviews
Super easy to file a claim, highly recommend
It's super easy to file a claim and the response is so fast. I have had nothing but great experiences with this insurance. I'm so glad that I got it, I've had to file two claims so far and both paid out. Highly recommend.
Great pet insurance
Great pet insurance, filing the insurance claim was very simple and easy.
Great insurance for my dogs
Great insurance for my dogs
Fast claim payment with no problems.
Fast claim payment with no problems.
Very happy about the insurance work
Very happy about the insurance work. The claim was processed without any delays.
I'm a new Mom to Winter
I'm a new Mom to Winter. She had her 1st & 2nd set of shots. Spot Pet Insurance, made it easy for me to add my claims tothe app. It was processed within 3days. I would highly recommand Spot Pet Insurance to any family with a pet. -Darlene Franklin
So far the ease of submitting claims…
So far the ease of submitting claims and Spot insurances processing is spot on 🤣
Filing a claim was super easy and the…
Filing a claim was super easy and the approval process was quick! I’m so glad I got pet insurance
The process was simple and quick
The process was simple and quick, claim was approved without hassle and in a timely manner. All my current pets are insured with Spot, and all my future ones will be as well!
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!
