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Spot vs Prudent: Pet Insurance Plan Comparison

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Prudent Pet Insurance Plans Vs. Spot Insurance Plans Comparison

One web search for pet insurance will show you an array of options to choose from. You know you need to get your pet the proper vaccines and that you need to be prepared in case of emergency hospitalization for something like a ligament injury, but you might not be as sure about pet health insurance. Figuring out how to handle your pet’s needs can get tricky.

Between dozens of pet insurance providers and widely varying pet insurance policies, narrowing down the right pet insurance plan can feel overwhelming.

Although quotes are a great place to start, at Spot Pet Insurance, we go the extra mile with helpful comparison guides between our insurance and other pet insurance providers, such as Nationwide or Pets Best.

Today’s guide breaks down the most critical differences between Spot Pet Insurance plans and Prudent Pet Insurance plans. Read on to see where we differ and to get closer to finding the ultimate pet insurance fit for you!

Wellness Plan Differences: Spot Pet Plans vs. Prudent Plans

Wellness care for your pets is essential, but whether or not to include certain parts of wellness care in your insurance plan is another matter which can differ for each pet family.

Spot Pet Insurance and Prudent Pet Insurance both offer add-on wellness coverage options that can supplement a core Accident & Illness plan or Accident-only plan for an additional cost. However, there are some key differences. 

Base plans provided by Spot include coverage for microchip implantation. In order to get coverage for microchip implantation with Prudent Pet Insurance plans, you need to add on a wellness plan to your base plan for an additional cost. 

Microchipping is a helpful way to find your pet should they become lost.

With the Gold Preventive Care Coverage add-on option offered by Spot, you are covered for up to $100 for dental cleanings annually, or $150 for dental cleanings annually with the Platinum Preventive Care Coverage option. See our preventive care coverage plan breakdowns for more details!

At Prudent, on the other hand, three levels of wellness coverage add-on options are available – low, medium, and high – and include $0, $40, and $60 of coverage, respectively, for dental cleanings annually.

Exam Fees For Covered Conditions Are Included in Base plans provided by Spot 

At Spot Pet Insurance, the base plans we provide include coverage for exam fees for covered conditions. 

In contrast, with Prudent Pet Insurance plans, you’ll have to purchase an additional add-on to get coverage for exam fees for covered conditions.

Insurance Plan Coverages

Preventive
Care

Exam Fees

30-Day Money Back
Guarantee

Prescription
Foods

Microchip

Prudent

/ 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

Prescription Food Coverage 

Spot Pet Insurance plans include coverage for Rx food and supplements when they’re prescribed by a licensed vet to treat covered accidents and illnesses (not for general maintenance or weight management).

Prudent plans only cover Rx food when it is prescribed to treat existing bladder stones and crystals in urine. 

Conclusion

We want you to find the perfect fit for your fur family’s best interests. From helping you stay educated to providing extensive pet insurance plans, we’re here to help. Whether you’re trying to learn more about your pup’s hereditary condition, you’re curious about prescription medication for your cat, or your pet swallowed something they shouldn’t have, we want to help give pet owners the support they need.

Get a quote today to see if joining the Spot family is right for you, and keep coming back to our blog for more helpful guides just like this one!

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:

Microchipping Your Dog or Cat | WebMD

5 Reasons Why Dog Dental Care Is Important | PetMD

7 Reasons Why Your Dog May Need a Therapeutic Diet | PetMD

*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.