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]
Unlimited Annual Limit
Preventive Care Option
One Annual Deductible
Lab tests, X-rays, Hospitalization, Surgery, Diagonostics, etc.
Hereditary and Congenital Conditions without limitations
Any US Licensed Vet, Specialist, or Emergeny Clinic
No Vaccination Requirements for Coverage of Certain Conditions
Multiple Pet Discount
Age Limits for Illness Coverage Enrollment
Accident Only Plan Available for All Pets
30 - Day Money Back Guarantee
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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.