Spot vs Healthy Paws: Pet Insurance Plan Comparison

After the deductible is met, we will reimburse a percentage of covered expenses according to the reimbursement percentage you select.

With this option, once you hit your deductible, there is no cap on your annual claim limit.

Treatment for the purpose of avoiding an illness or injury or for the promotion of general health, where there is no underlying illness, injury, or symptoms. Dental cleaning, wellness exams, deworming, flea / heatworm prevention, fecal and blood test, and more! SPOT preventive care is an optional add-on for extra cost.

Spot allows you to select from a range of deductible amounts, ranging from $100 to $500. Once you meet your annual deductible, we will reimburse a percentage of covered expenses according to the reimbursement percentage you select.

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, an additional monthly fee is required.

Spot even backs you for the most expensive procedures for covered conditions. Alternative therapies needed to treat a covered condition and chronic conditions are covered.

A food that is prescribed by your veterinarian to treat a covered condition, with guaranteed analysis and safety standards. We don't cover the following therapeutic 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.

A dietary supplement, vitamin, probiotic, or nutraceutical with guaranteed analysis and safety standards prescribed by your veterinarian to treat a covered condition. We don't cover the following dietary supplements: herbs, general health maintenance vitamins or supplements, or weight loss supplements, even if prescribed or dispensed by a veterinarian.

*Petplan covers prescription supplements

There are all sorts of alternative therapies now available for pets, such as acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy. Spot On Coverage can reimburse you for alternative therapies your pet might need to treat a covered condition.

This coverage can help with the costs of veterinary visits for concerning behaviors that may be related to anxiety or compulsive behavior, like excessive licking, fur pulling, and destruction of the home.

*Trupanion behavioral issues are at an additional fee.
**Petplan only covers up to $1k towards behavioral issues each year.

We cover treatments for dental illnesses if you enroll in an accident & illness plan, and our plans cover tooth extraction for accidents.

These are conditions that need care across multiple plan periods, such as diabetes and cancer. With Spot On Coverage, you don’t have to worry about a condition becoming ineligible for coverage just because it is ongoing.

These are conditions that need care across multiple plan periods, such as diabetes and cancer. With Spot On Coverage, you don’t have to worry about a condition becoming ineligible for coverage just because it is ongoing.

Spot understands the importance of timing, which is why we're proud to offer you coverage at any licensed vet, emergency clinic or specialist in the US.

Your policy covers microchip implantation by a veterinarian; not any associated fees for registration, monitoring, or renewal.

No vaccination requirements to be eligible for enrollment or coverage.

Insure one, discount the rest. Spot provides a 10% discount for every additional pet insured.

Tired of being told no? Spot doesn't place an upper age limit on coverage.

Maybe you're interested in just covering against hefty vet bills for unexpected accidents. We've got coverage for that, too.

SPOT Pet Insurance plans cover prescription medications as part of accident and illness coverage. There is no list of covered medications.

*Prescription medication is an optional add on for Pets Best

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 approved or paid. Not available in NY.

With this option, once you hit your deductible, there is no cap on your annual claim limit.