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Spot Vs Liberty: Pet Insurance Plan Comparison

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We all have definitely realized the importance of an insurance plan as the costs of vet care is rising day by day with inflation increasing and newer technology getting introduced every now and then to the field of veterinary medicine. Most of us do not have a habit of saving or keeping aside a specific fund for a rainy day. This is exactly why an accident & illness pet insurance can help because when, God-forbid, a pet gets unexpectedly sick or hurt, policyholders have someone who can help with the covered costs.

Sometimes people don’t know the importance or potential value of insurance,  and they don’t know  what to think about when planning to get an insurance plan, whom to trust and whom to not, what facilities to look for, and what priorities to be set. 

At such times, it becomes very necessary to choose the right pet insurance provider. We at Spot Pet insurance have never shied away from comparing ourselves to several companies in the industry. The reason is that, if we are good at what we do, everyone should know and if we are not good at something then we need to learn and improve on the same. 

Our mission is to make it as easy and transparent as possible for you as a responsible and a loving pet parent. Because we know that the thought of your pet getting sick in the future is already making you feel low and sad. 

Spot Pet Insurance plans vs Liberty Mutual Pet Insurance plans

This article compares Liberty Insurance plan options to Spot Pet Insurance plan options. And here are some ways, how it differs from us – 

  • 30-day money back guarantee – Spot plans offer a 30 day money back guarantee which Liberty Mutual pet insurance plans do not provide.  Spot plans’ 30 day money back guarantee is only available if no covered claims have been filed, and it’s not available in NY.
  • Prescription Diets & Dietary Supplements for covered conditions – Spot plans cover the costs of eligible diets when prescribed by a vet to treat a covered condition. Prescription food for general weight or health maintenance is not covered.  Liberty Mutual pet insurance plans do not cover prescription foods.
  • Microchip implantation – One of the must-have tools for pet owners is microchipping. Lost dogs have had a much better chance at getting back to the owners with a microchip installed. Microchip implantation may cost between $30 and $50, and pricing varies by location. Spot Plans include coverage for microchip implantation in all core plans.  
  • Multiple Pet Discount  Spot plans offer a 10% multi-pet discount for every additional pet insured. Liberty Mutual pet insurance plans offer a 5 percent per policy premium discount for two pets, and a 10 percent per policy discount for three or more pets.
  • Accident only plan – Want to get coverage for unexpected accidents only? Both providers offer an accident only plan.

The above pointers are where both the companies differ in terms of policies. There are some common offerings as well that you as a parent, can avail with options from both providers. These include –

  • Alternative Therapies prescribed to treat covered conditions – These include acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy 
  • Behavioural Problems – This is something that may feel temporary but can be quite severe. 
  • Dental Illnesses – Our canine pets are infamous for having several dental diseases in their lifetime. And they can be costly as well.
  • Chronic Conditions – illnesses like diabetes, cancer, etc. which may need prolonged care.
  • Licensed Specialists – Your pet can run into some covered condition which needs an immediate treatment from a licensed specialist.  Eligible care from a licensed specialist for a covered condition is covered.
  • One Annual Deductible – There are various plans available in terms of annual deductibles

These are key points where we think you as a pet parent, would have questions about. And we believe we tried to clarify most of them for you. We, absolutely leave the choice on you to decide a viable insurance plan for your beloved pet and we know that you will not compromise when it comes to them. You will definitely make the best choice. Our job here was only to provide you with the right and relevant information so that you make an informed decision.

Insurance Plan Coverages

Preventive Care Option

Exam Fees

30-Day Money Back Guarantee

Prescription Diets & Dietary Supplements

Microchip

Liberty

/ 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

Happy Health and Mood to your Pet baby and Lots of Love and Licks to you!

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 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 service@customer.spotpetins.com.

Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. For all terms and conditions visit spotpetins.com/sample-policy. Preventive Care reimbursements are based on a schedule. Accident & Illness coverage reimbursements are based on the invoice. Products, schedules, discounts, and rates may vary and are subject to change. More information is available at checkout.Insurance plans are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ). Insurance plans are marketed and produced by Spot Insurance Services, LLC. (NPN # 19246385)

*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.