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Spot vs Pawp: Pet Insurance Plan Comparison

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Pawp Membership Vs. Spot Pet Insurance Plans: Comparison

With the advancement of technology comes the advancement of pet treatments and services. For example, there are digital and telehealth services. Here at Spot Pet Insurance,  we offer pet insurance plans which provide access to a 24/7 pet telehealth service powered by VetConnect ™ .

New technology also means different ways of assisting people with pet care. Pawp memberships and Spot Pet Insurance plans are both popular options.

Pawp memberships provides a one-time per year emergency fund at a low price and a 24/7 pet telehealth service.

Let’s find out some differences between Pawp memberships and pet insurance plans provided by Spot.

How do Pawp Memberships function?

Pawp memberships are essentially an emergency fund for pets. After you sign up, there’s a 14-day waiting period. After the waiting period is over, you have a $3,000 fund that you can use for emergency treatment.

To use the fund, one of their specialists (whom you can call using a 24/7 telehealth service) has to give your dog or cat a virtual exam to determine if there is a real emergency. The specialist will need to confirm that there is an emergency in order for the membership coverage to apply. 

Pawp will pay the vet directly for the eligible vet services, so you don’t need to worry about paying unless the emergency exceeds the $3,000 limit. 

As part of enrollment for the Pawp membership, you have to pay a monthly fee of $24. If you like having many animal friends around, Pawp memberships will cover up to 6 pets.

Spot Pet Insurance plans can cover multiple emergencies

The Pawp membership emergency fund can only cover one emergency per year. The first emergency covered is the only emergency that can be covered during that year of your membership, even if you don’t use all $3,000.

At Spot Pet Insurance, we know that sometimes your pets can have multiple emergencies a year. It’s a big world out there; some animals have a knack for getting into trouble. Pet insurance plans provided by Spot do not limit coverage to one eligible conditions per year. 

We also offer a 10 multi-pet percent discount for all additional pets, so you have help to saving some money to help improve your four-legged family’s quality of life.

You can add preventative care coverage to Spot plans

We take your pet’s health and happiness very seriously and know that sometimes offense is the best defense. That’s why we offer preventative care coverage add-ons for a little extra cost.

With preventive care coverage added to an accident and illness plan, you can be reimbursed for certain routine wellness treatments that help prevent your pup or kitty from getting sick. 

Pawp memberships do not provide coverage options for preventive care treatments. Although, you can use their pet telehealth line to speak to a licensed vet or vet tech.

Spot plans take a holistic approach to health

Although Pawp memberships covers emergency visits, they don’t cover any follow-up visits or rehabilitation for the same condition once the initial emergency visit is over. Some emergencies won’t require care after the initial hospital visit. Other times your pet may need physical therapy or another form of rehabilitation to get back to their old self.

At Spot Pet Insurance, we are aware that your pet can need many forms of treatments for accidents and illnesses, from alternative therapies to rehabilitation. Some of the alternative therapies that are prescribed to treat covered conditions which Spot plans can cover include:

  • Hydrotherapy
  • Chiropractor visits
  • Acupuncture

We want to make sure your pet feels great in both mind and body, so pet insurance plans provided by Spot cover treatments for eligible behavioral conditions.

Insurance Plan Coverages

Preventive Care Option

Exam Fees

30-Day Money Back Guarantee

Prescription Diets & Dietary Supplements

Microchip

Pawp

/ 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

Keeping your pet healthy and happy

As a pet parent, you know accidents happen, and by researching, you’re already well on your way to being prepared. You know your pet’s needs best, so ultimately, it’s your decision as to what you choose. 

We hope to assist you further by providing a pet insurance plan that you can tailor to your pet’s needs. We also have plenty of resources for pet parents looking to learn more about being a good parent to your dog or cat. We also have more comparisons for you to check out 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

2022 Pawp Reviews: Pet Insurance | consumersadvocate.org

Pawp Pet Insurance Review (2022) | This Old House

*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.