Wagmo Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison
Spot Pet Insurance Vs Wagmo Pet Insurance
Pet insurance can help when our pets get sick or injured. It reimburses policyholders for eligible vet bills. There are several illnesses like cataracts, skin infections, hip dysplasia, elbow dysplasia, GDV, cherry-eye, IBD, etc. which can affect our pets. We might be able to control where our pets go and what they do most of the time, but we can’t control how and when these illnesses will affect our pets. This is when accident & illness pet insurance helps on a rainy day.
It's essential to choose a pet insurance provider who cares about the pet and the pet parents both and understands the challenges they go through at the time of illness. You need someone who is not looking for a way to just earn from you and finds every reason in the book to delay or reject the claims at the time of need.
There are certain things that you should have on your checklist before finalizing the pet insurer:
Attitude and empathy of the company
Friendly and transparent policies
Spot Pet insurance thrives on customer satisfaction. We believe that the best pet insurance for you is the one that lets you sleep at peace at night, knowing that your pet is insured and covered.
There are several providers offering pet insurance plans with a lot of similar benefits and a lot of different ones as well. The differences can be in terms of coverage, premium costs, claim processes, additional benefits, etc. We at Spot Pet insurance have never shied away from comparing the plans we offer to several plans offered by other providers 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 loving pet parent, to go through the insurance claim process because we know that the sickness of your pet is already making you feel low and sad.
See How Our Competition Stacks Up
30-Day Money Back Guarantee
Multi Pet Discount
Hereditary & Congenital Conditions
One Annual Deductible
No Upper Age Limit
30-Day Money Back Guarantee
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. *Not available in ME. ME residents receive a 15 day right to examine.
Multi Pet Discount
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.
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.
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.
Spot plans cover dental illnesses if you enroll in an accident & illness plan, and Spot plans cover tooth extractions for accidents.
Hereditary & Congenital Conditions
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.
One Annual Deductible
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.
No Upper Age Limit
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.
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 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.
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.
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.
## Prescription Diets & Dietary Supplements 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. *Manypets covers prescription supplements, not prescription food.
Spot Pet Insurance Plans vs. Wagmo Plans
This article compares Wagmo Insurance plans to Spot Pet Insurance plans. And here are some areas of where they differ:
30-Day Money-Back Guarantee
We understand that you may be getting insurance for the first time for your pet. We at Spot offer you a 30-day money-back guarantee in case you don’t feel it is the right one for you. (but we don't think that will be the case). The 30-day money-back guarantee is available if no covered claims have been filed but isn’t available in New York.
But Wago does not offer a money-back guarantee at all.
Prescription Diets & Dietary Supplements
At Spot, the plans we offer cover the diets when prescribed by a vet for treating a covered medical condition. Prescription foods and supplements for general maintenance or weight loss are not covered.
Neither prescription foods nor supplements are covered by Wagmo plans.
In the US, the chances of pets getting lost can be high at times, especially during natural disasters like storms, floods, hurricanes, etc. Most dogs have a much better chance of getting back to their owners with a microchip installed, the chance of the pet and pet parent being reunited increases by up to 80% if the pet is microchipped. Microchipping may cost between $30 and $50, and pricing varies by location. Spot plans include coverage of microchip implantation in all core plans. Wagmo plans don’t.
Preventive Care Requirements
Spot plans don’t have preventive care requirements that must be satisfied to cover some illnesses, which some other providers’ plans like Wagmo do.
Accident-Only Plan Option
We believe that pet owners should have the option to customize the plan however they want. If you don’t feel like getting your pet insured for sicknesses, but only for injuries and accidents then we’ve got an option for you as well. Wagmo doesn’t offer such a plan.
The above pointers are some ways that both providers’ plan options differ. There are some common offerings as well, that you as a parent can benefit from with both providers’ plan options. These include –
Alternative Therapies – Even pets can be treated with acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy. We would love it if your pet could be treated without medications and hence even cover those eligible charges in the plan. Both providers offer plan options that cover alternative therapies that are prescribed to treat covered conditions.
Preventive Care Coverage Option – They say prevention is the best cure. We say yes, it is. Hence, we offer a preventive care coverage option for an extra cost. This is where the eligible treatments for avoiding illnesses would be covered by the insurance. Certain vaccines, dental cleaning, deworming, and certain blood tests can be covered by Spot’s preventive care coverage options.
Exam Fees – Routine annual exam fees are not covered here by both providers’ core plans, but the exam fees for covered conditions would be covered by the policies.
Behavioral Issues - This is something that may feel temporary but can be quite severe. Excessive licking is an example of such an illness. Spot and Wagmo accident & illness plans both cover the eligible costs for the treatments for behavioral problems.
Multiple Pet Discount – Around 17% of the people in the US own more than 1 dog. Many households own both a cat and a dog. Now you would, of course, get insurance for all your pets. And for that, you should have some benefits for getting multiple policies. Spot offers a 10% multi-pet discount on every additional pet insured. So does Wagmo.
Hereditary and congenital conditions - neurologic illnesses, eye illnesses, heart illnesses, skeletal muscle illnesses, cryptorchidism, and hip and elbow illnesses are some of the hereditary conditions that dogs can possess. Accident & illness plans offered by both providers cover the costs of eligible treatments for such diseases.
Dental Illnesses – Our canine pets are infamous for having several dental illnesses in their lifetime. And they can be costly as well. Spot accident & illness plans cover dental illnesses and tooth extractions for dental accidents.
Chronic Conditions – Chronic illnesses like diabetes, cancer, etc. which need a prolonged care routine, are covered by accident & illness plans offered by both Spot and Wagmo.
Specialists – Your pet can run into some condition that needs immediate treatment from a licensed specialist. The plans we offer cover the eligible costs for treatments prescribed to treat covered conditions that are performed by licensed specialists.
Upper age limit – You may have heard a no from several providers for getting the pet insured if the age is on the upper side. Because usually, the higher the age, the higher the chances for illnesses. But at Spot and Wagmo, the plans we offer do not have any upper age limit to get your pet insured. We believe that the need for insurance in old age of the pet is more.
This list is an exhaustive one of some benefits that Spot pet insurance plan options would cover. For us, it is extensive benefits for the pets and pet parents and minimum hassle while filing for claims. There are some benefits that Spot plans cover when compared to Wagmo. We now leave the decision to you to choose the best pet insurance for your pet. We trust you in the fact that you would not want to compromise on anything when it comes to your lovely pet.
Happy Health and Mood to your Pet baby, and Lots of Love and Licks to you!
Tucker's Road to Recovery
When emotional support dog Tucker experienced a life-threatening injury to his neck, he needed extensive treatment. His pet parent Kim was able to choose the treatment option that would provide Tucker with the best quality of life because of the financial support provided by Tucker's Spot plan.
Cost of Treatment: $4,305
Spot Plan Reimbursed: $3,874.505
Happy Pet Parents Trust Spot
Rated 4.6 / 5 based on 3,094 reviews
Showing our 5 star reviews
Quick turnaround on funding decision
Quick turnaround on funding decision, thank you!
Quick and easy way to submit claims
Quick and easy way to submit claims. I have had no problems obtaining my reimbursements. Highly recommended over Nationwide pet insurance which I have had previously and always had to argue to get my claims accepted.
Such an easy and simple way to make a…
Such an easy and simple way to make a claim! I was very
I like this pet insurance company. Claims are easy to do and are done quickly.
I suggest Spot to all of my friends and…
I suggest Spot to all of my friends and family! With their easy to understand claim process and friendly customer service, taking care of my pets is so much easier. Thanks Spot!
Very responsive to inquiries and processing claims as well.
Easy claim submission
Easy claim submission. Very quick turnaround. Was able to clearly anticipate what would be covered based on policy. Smooth process was appreciated during emotionally upsetting time with pet.
Easy to use and convenient I had no…
Easy to use and convenient I had no trouble getting reimbursed just have to upload the file or take a picture of the invoice and you are solid.
Recently signed up my new puppy - Clover
Recently signed up my new puppy. I’m very happy with how fast the claims process is! I figured with a new puppy I’d be spending money on veterinary costs anyway. This just gives me peace of mind that some of the puppy costs are paid over time and not all at once. Would definitely recommend Spot!
LONG TIME HAPPY CUSTOMER
I've been a long time customer and have had to file a few claims over the years. It's always fast and simple and processed quickly. This most recent time was the fastet a claim has been processed and reimbursement received. I'm happy with the service and as mentioned it has proven worthwhile to me several times in the past 😀🐱