Spot vs Trupanion: Pet Insurance Plan Comparison
Say you are considering Spot and Trupanion Pet Insurance but are not sure which to opt for. We’re here to help you find coverage that fits your pet’s individual needs the best.
A glance at our reviews compared to Trupanion Pet Insurance reviews will reveal some differences in the coverage offered by these companies. Doing your homework before you enroll your pet will help ensure you’ve picked a good pet insurance plan and company for your family.
At Spot, we're happy to compare ourselves to others because we're confident in the ways our product outperforms the rest!
Let’s 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 pet insurance coverage side-by-side with Trupanion. Both Trupanion and Spot provide cat insurance and dog insurance plans, but you'll find some key differentiators when you compare the two through our convenient FAQs.
Taking in these differences and considering how they would play out in your individual pet parent situation can help select a plan that best fits the needs of your dog or cat. Of course, you can also check out Spot and Trupanion reviews for real customers’ thoughts on their coverage.
Here are some of the main differences between Trupanion coverage and what Spot offers:
- 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 — and how pet parents can provide their pet with the ultimate coverage.
*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 service@customer.spotpetins.com.
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.
How many times in the past year have you brought your pet to the vet for a simple exam? If you’re like most pet parents, the answer is probably “several.” Exam fees are a part of most vet visits.They can add up over a year when you see the vet multiple times.
Luckily, there’s an option to save you a lot of money. Trupanion doesn’t cover exam fees, even when the veterinary care is related to a covered condition.
There’s another option: With Spot insurance policies, you can get reimbursed for exam fees related to a covered condition. You’ll get to save money on exams and can allocate that elsewhere to take care of your pet.
2. Trupanion per-condition deductibles vs. Spot annual deductibles
With a Trupanion policy, you must 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 need to meet your deductible three times a year.
You might not be saving as much money as you could be if your pet insurance provider used an annual deductible again. Wondering which providers use an annual system?
Spot uses an annual deductible. After 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; Spot’s is nearly half of that.
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. Their insurance does not cover these.
On the contrary, 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.* Your pet deserves to be covered fast, so they can get quality care quickly. Luckily, this is a cornerstone of Spot Pet Insurance’s beliefs. That’s why our 14 period waiting period includes treatments and diagnostic tests for orthopedic conditions like hip dysplasia.
4. Trupanion plans don't offer a multi-pet discount. Spot does.
Do you have multiple pets? Ask many pet owners. They’ll share that one furry friend simply isn’t enough! If you have several pets, it makes sense to opt for a provider that will give you a discount for those additional pets.
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. This goes for Trupanion dog insurance as well as Trupanion dog insurance.
With Spot, all added pet policies get a 10 percent discount.** Because, let’s face it, all of your animals deserve quality care from Spot.
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 wellness 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.
This is not the case with Spot, as you can personalize the coverage your pet has. 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 to your healthcare plan. Preventive coverage provides you with a set annual amount for routine care like vaccinations, heartworm, and teeth cleanings.
No stress vet bills
No matter which type of coverage you are looking for, there is a Spot Pet Insurance option for you. Our medical insurance isn’t just for prescriptions and surgeries.
It includes acupuncture, hydrotherapy and chiropractic treatments. We also cover supplements and behavioral modification and never attach age limits to pet care.
Reach out today to learn more about how you can get your pet covered as soon as possible.
*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.
