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 email@example.com.
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.
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.