Spot vs USAA: 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 purposes of avoiding an illness or injury or for the promotion of general heath, where there is no underlying illness, injury, or symptoms. Dental cleaning, wellness exams, deworming, flea/heartworm prevention, fecal and blood test, and more! Spot provides options to add preventive care coverage for extra monthly costs.

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, Prudent Pet, Liberty Mutual, and Pets Best, an additional monthly fee is required.
*With Pawp, Exam Fees are only covered in life-threatening emergency situations, and only 1 emergency a year.

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. Spot plans don’t cover the following prescription 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
*With Pets Best, an additional monthly fee is required.

A food that is prescribed by your veterinarian to treat a covered condition, with guaranteed analysis and safety standards. Spot plans don't cover the following prescription 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
*With Pets Best, an additional monthly fee is required.
*Prudent Pet only covers prescription food costs to treat bladder stones and crystals for a limited time.
*Fetch only covers prescription supplements, not prescription food.

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

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

*Trupanion behavioral issues coverage are available for an additional cost.
*Fetch only covers up to $1k towards behavioral issues each year.
*Metlife coverage available for an additional cost.

Spot plans cover dental illnesses if you enroll in an accident & illness plan, and Spot plans cover tooth extractions for accidents.

These are accidents & illnesses that need care across multiple plan period, such as diabetes and cancer. With accident & illness pet insurance plans provided by Spot, you don't have to worry about a condition becoming ineligible for coverage just because it is ongoing.

This coverage is for the costs of eligible inherited illnesses and that don't show symptoms until later in your pet's life, like heart disease, IVDD, eye disorders, and hip dysplasia.

*Healthy Paws does cover hereditary conditions, though pets enrolled after age 6 are not eligible for hip dysplasia coverage.
*With Embrace, pets enrolled after age 6 are not eligible for hip dysplasia coverage.
*Pawp covers hereditary and Congenital conditions only related to life-threatening emergencies.

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

Your core policy covers microchip implantation by a veterinarian; not any associated fees for registration, monitoring, or renewal.
*With Pets Best, Prudent Pet, Embrace, Geico and Trupanion, an additional monthly fee is required.
*Included in Nationwide's and Liberty Mutual's Wellness packages for an additional monthly cost.

No preventive care requirements to cover certain illnesses.

Insure one, discount the rest. Spot plans provide a 10% multi-pet discount for every additional pet insured.
*Liberty Mutual gives 5% discount for first additional pet, and 10% for 3 or more.

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

*With Nationwide, only pets 10 years of age or younger may enroll in a Major Medical Plan.

*With Embrace and USAA, pets of any age can be insured but pets 15+ are restricted to enrolling in new accident-only plans.

*** "No upper age limit*** data in table with "Y" means pets are covered and can enroll in a new plan regardless of old age. "N" means there is a maximum age to enroll or be insured.

Maybe you’re interested in just covering against hefty vet bills for unexpected accidents. Spot offers accident only plans 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 covered. Not available in NY.

Spot plans allow you to select from a range of annual deductible amounts. Once you meet your annual deductible, Spot plans will reimburse a percentage of covered expenses, according to the reimbursement percentage you select, up to your annual limit.