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Spot vs USAA: Pet Insurance Plan Comparison

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USAA Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison

Choosing a pet insurance provider is an in-depth process that can easily become overwhelming without the right resources. You want to make sure your pet insurance coverage options cover what you need them to. 

That’s why we provide comparison guides. 

Today, we’re looking at pet insurance plans provided by USAA and they weigh up against the plan options that we offer. 

Because USAA offerings are limited to certain members, it’s important to keep in mind that any offerings from USAA may not apply if you fall outside those circles. Let’s look closer below so you can figure out some of the differences. 

Upper Age Limits for New Enrollments

Before diving into other factors, if you’re a parent of an older pet, your pet may not qualify to enroll in Accident & Illness pet insurance plans provided by USAA.   If your pet is 15 years old, or older, you will only have the option to enroll that pet in an Accident-only plan.

At Spot Pet Insurance, we know that older dogs and cats tend to experience more accidents and illnesses.  Plans provided by Spot don’t have upper age limits. 

Microchip Implantation Coverage

Microchipping technology helps pet owners find and reunite with their pets if their pet becomes lost. Microchip implants are covered by base plans provided by Spot. 

With plans provided by USAA, microchip implantation coverage is only included with an added Wellness Rewards plan, that you can add to your base plan for an additional cost. 

Insurance Plan Coverages

Preventive
Care

Exam Fees

30-Day Money Back
Guarantee

Prescription
Foods

Microchip

USAA

/ 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

Coverage for Rx Food and Supplements Prescribed to Treat Covered Conditions

Base plans provided by Spot include coverage for Rx foods and supplements when prescribed by a licensed vet to treat covered conditions (not for general maintenance or weight management). 

For similar coverage with plans provided by USAA, you’ll need to purchase the added Wellness Rewards plan.

Conclusion

The right pet insurance plan can help prepare you and your pet for life’s adventures. 

Get a quote today to see if a plan provided by Spot is right for you! 

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:

How Long Do Dogs Live – Dog Breeds and Life Expectancy | PetMD

Microchipping Your Dog or Cat | WebMD

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.