Spot vs Trupanion: Pet Insurance Plan Comparison
At Spot, we're happy to compare ourselves to others, because we're confident in the ways our product outperforms the rest! Here, we take a look at what you get with a Spot Pet Insurance plan vs a Trupanion Pet Insurance plan.
See How Spot Stacks Up
We're happy to put our coverage side-by-side with Trupanion's. Both Trupanion and Spot provide cat and dog health insurance plans, but you'll find some key differentiators when you compare the two. Here are some of the main differences:
- Trupanion doesn't cover exam fees for covered conditions
- Trupanion deductibles must be met for each new condition
- Trupanion's illness waiting period is 30 days, while Spot's is 14 days
- Trupanion doesn't have a multi-pet discount
- Trupanion doesn't provide Preventive Care or Accident-Only coverage options
The chart below looks at the core features of each brand. Keep reading for more on what those top five differentiators will mean for you as a customer.
*Preventive Care available as an add-on to base plan for a little extra cost.
Comparison information is provided using publicly available information as of 8/7/2020 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 [email protected]
Reimbursement Percentage
After the deductible is met, we will reimburse a percentage of covered expenses according to the reimbursement percentage you select.
Unlimited Annual Limit
With this option, once you hit your deductible, there is no cap on your annual claim limit.
Preventive Care Option
Treatment for the purpose of avoiding an illness or injury or for the promotion of general health, where there is no underlying illness, injury, or symptoms. Dental cleaning, wellness exams, deworming, flea / heatworm prevention, fecal and blood test, and more! SPOT preventive care is an optional add-on for extra cost.
One Annual Deductible
Spot allows you to select from a range of deductible amounts, ranging from $100 to $500. Once you meet your annual deductible, we will reimburse a percentage of covered expenses according to the reimbursement percentage you select.
Exam Fees
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, an additional monthly fee is required.
Lab tests, X-rays, Hospitalization, Surgery, Diagonostics, etc.
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.
Therapeutic Diets
A food that is prescribed by your veterinarian to treat a covered condition,
with guaranteed analysis and safety standards. We don't
cover the following therapeutic 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.
Dietary Supplements
A dietary supplement, vitamin, probiotic, or nutraceutical with
guaranteed analysis and safety standards prescribed by your veterinarian to treat a covered condition.
We don't cover the following dietary supplements: herbs, general
health maintenance vitamins or supplements, or
weight loss supplements, even if prescribed or
dispensed by a veterinarian.
*Petplan covers prescription supplements
Alternative Therapies
There are all sorts of alternative therapies now available for pets, such as acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy. Spot On Coverage can reimburse you for alternative therapies your pet might need to treat a covered condition.
Behavorial Issues
This coverage can help with the costs of veterinary
visits for concerning behaviors that may be related
to anxiety or compulsive behavior, like excessive
licking, fur pulling, and destruction of the home.
ral issues
*Trupanion behavioral issues are at an additional fee.
**Petplan only covers up to $1k towards behavioral issues each year.
Dental Illness
We cover treatments for dental illnesses if you enroll in an accident & illness plan, and our plans cover tooth extraction for accidents.
Chronic Conditions
These are conditions that need care across multiple plan periods, such as diabetes and cancer. With Spot On Coverage, you don’t have to worry about a condition becoming ineligible for coverage just because it is ongoing.
Hereditary and Congenital Conditions without limitations
This coverage is for the costs of inherited
conditions and birth defects that don’t show
symptoms until later in your pet’s life, like heart
disease, IVDD, eye disorders, and hip dysplasia.
Any US Licensed Vet, Specialist, or Emergeny Clinic
Spot understands the importance of timing, which is why we're proud to offer you coverage at any licensed vet, emergency clinic or specialist in the US.
Microchip
Your policy covers microchip implantation by a veterinarian; not any associated fees for registration, monitoring, or renewal.
No Vaccination Requirements for Coverage of Certain Conditions
No vaccination requirements to be eligible for enrollment or coverage.
Multiple Pet Discount
Insure one, discount the rest. Spot provides a 10% discount for every additional pet insured.
Age Limits for Illness Coverage Enrollment
Tired of being told no? Spot doesn't place an upper age limit on coverage.
Accident Only Plan Available for All Pets
Maybe you're interested in just covering against hefty vet bills for unexpected accidents. We've got coverage for that, too.
Prescription Medication
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
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 approved or paid. Not available in NY.
Let's get your
pet covered.
Tell us more so we can fetch
a great plan for you.
5 Reasons to Consider Spot over Trupanion
1. Trupanion Doesn't Cover Exam Fees. Spot Does.
Exam fees are a part of most vet visits, so they can really add up over a year where you are seeing the vet multiple times. Trupanion doesn’t cover exam fees, even when your vet visit is related to a covered condition. With Spot, you can get reimbursed for exam fees that are related to a covered condition.
2. Trupanion Per-Condition Deductibles vs. Spot Annual Deductibles
With a Trupanion policy, you will need to meet your deductible each time your pet is diagnosed with a new condition. For example, if you take your dog in for allergies in the spring, vomiting in the summer, and an ear infection in the winter, you could end up needing to meet your deductible three times in a year. Spot uses an annual deductible, and once you meet your selected amount for the year, you will be reimbursed at your set reimbursement rate for the rest of the year.
3. Trupanion Has a 30-Day Waiting Period
Trupanion’s illness coverage waiting period is 30 days. Anything that your pet develops or is diagnosed with during that 30-day waiting period is considered a pre-existing condition. Spot's waiting period is 14 days for Accident & Illness plans. There is no waiting period for any of Spot's add-on Preventive Care coverage.*
4. Trupanion Doesn't Offer a Multi-Pet Discount vs. Spot 10% Discount
If you add a second, third, fourth, etc. pet to your plan, you will need to pay the full premium price for each of them on Trupanion policies. With Spot, all added pet policies get a 10% discount.**
5. Trupanion Doesn't Offer Preventive or Accident-Only Options
Trupanion offers an Accident & Illness plan with the optional add-on of "Recovery and Complementary Care," to provide coverage for alternative treatments (which are included in Spot's Accident & Illness plan at no extra cost). There are no options for Accident-Only or Preventive Care coverage with Trupanion.
In addition to offering Accident & Illness coverage, Spot has an Accident-Only option that is a good choice for those looking for a lower-cost premium option to cover just injuries. Spot also has Preventive Care options* you can add on to your plan. Preventive coverage provides you with a set annual amount to use on routine care like vaccinations, heartworm, and teeth cleanings.
Read more about Spot vs Trupanion
*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.
