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Spot vs Geico: Pet Insurance Plan Comparison

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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.

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 (ours is powered by VetConnect™).

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 of the differences between pet insurance plans provided by Spot and Geico to help you find the pet insurance policy your pet needs.

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.

mind and body, so pet insurance plans provided by Spot cover treatments for eligible behavioral conditions.  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.

Insurance Plan Coverages

Preventive Care Option

Exam Fees

30-Day Money Back Guarantee

Prescription Diets & Dietary Supplements

Microchip

Geico

/ Included Not included or some inclusions

Comparison information is provided using publicly available information as of 10/26/2022 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 are 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 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 service@customer.spotpetins.com.

happy dog hearts

Kitten and Puppy Accident
& Illness Insurance Plan

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.

Competitor comparison information:

Comparison information is provided using publicly available information as of 3/24/22 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 are 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 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 service@customer.spotpetins.com.

Sources

 Do you need pet insurance? | American Veterinary Medical Association 

*Discount applies to lower premiums.
** Not available in New York. Must have not filed any claims within the 30 day period to be eligible for money back.