COVID-19 update: We will not cancel or non-renew any active policies due to non-payment through August 1, 2020. If you need assistance, please call us at 1.800.905.1595 to learn more.

What Does Pet Insurance Cover:

SPOT vs Competitors

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Customizable Pet Insurance Options

Compare pet insurance plans to see how SPOT stacks up against the competition. We cover a variety of needs for your cat or dog, including customizable plan options for:

1 (1)

Reimbursement
Percentage

2

Annual
Limit

3

Annual
Deductible

Compare Pet Insurance Providers

Insurance Plan Coverages
Healthy Paws
Figo
Nationwide
Trupanion
Pet Plan
Pets Best
Preventive Care Option (?)
Included
Not included or some inclusions
Not included or some inclusions
Included
Not included or some inclusions
Not included or some inclusions
Included
Exam Fees (?)
Included
Not included or some inclusions
Not included or some inclusions
Included
Not included or some inclusions
Included
Not included or some inclusions
30-Day Money Back Guarantee (?)
Included
Included
Included
Not included or some inclusions
Included
Included
Included
Therapeutic Diets (?) & Dietary Supplements (?)
Included
Not included or some inclusions
Not included or some inclusions
Included
Included
Not included or some inclusions
Not included or some inclusions
Microchip (?)
Included
Not included or some inclusions
Not included or some inclusions
Included
Not included or some inclusions
Not included or some inclusions
Not included or some inclusions
No Vaccination Requirements for Coverage of Certain Conditions (?)
Included
Not included or some inclusions
Not included or some inclusions
Included
Not included or some inclusions
Not included or some inclusions
Not included or some inclusions
Multiple Pet Discount (?)
Included
Not included or some inclusions
Included
Included
Not included or some inclusions
Not included or some inclusions
Included
No Age Limit (?)
Included
Not included or some inclusions
Included
Not included or some inclusions
Not included or some inclusions
Included
Included
Accident-only Plan Available for All Pets (?)
Included
Not included or some inclusions
Included
Included
Not included or some inclusions
Not included or some inclusions
Included
Hereditary and Congenital Conditions without limitations (?)
Included
Not included or some inclusions
Included
Included
Included
Included
Included
Alternative Therapies (?)
Included
Included
Included
Included
Included
Included
Included
Behavioral Issues (?)
Included
Not included or some inclusions
Included
Included
Not included or some inclusions
Included
Included
Dental Illnesses (?)
Included
Not included or some inclusions
Included
Included
Included
Included
Included
Chronic Conditions (?)
Included
Included
Included
Included
Included
Included
Included
Specialists (?)
Included
Included
Included
Included
Included
Included
Included
All Pets Eligible, Regardless of Health
Included
Included
Included
Not included or some inclusions
Included
Included
Not included or some inclusions
Unlimited Lifetime Benefit Plan (?)
Included
Included
Included
Included
Included
Included
Included
One Annual Deductible (?)
Included
Included
Included
Included
Not included or some inclusions
Included
Included

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included not included or some inclusions

*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.

*30 day money back guarantee only available if no claims have been approved or paid. Not available in NY.

Reimbursement Examples for Covered Conditions

From the cost of poison treatment to ACL repair, vet bill totals can come as a surprise. See how you might get reimbursed—depending on your coverage details—with a SPOT insurance plan should your dog or cat need one of these common treatments.

SPOT Coverage Inclusions

What does pet insurance cover? When selecting a provider, make sure you read the fine print. Not every insurer offers plans that cover alternative therapies, exam fees and preventive visits.*

Exam Fees

Once you meet your deductible, SPOT reimburses for exam fees related to accident and illness visits (crazy that this isn’t included with all providers, we know!). Let’s be clear, our Accident & Illness plans don’t cover annual wellness exams, if you want that covered you need to add a preventive care package*.

Preventive Care Options*

SPOT has two preventive care packages that can be added to your Accident/Accident & Illness coverage for little extra cost. Preventive care supports routine visits like vaccinations and dental cleanings. Check out a breakdown of what each package offers below.

Chronic Issues

Chronic conditions, or conditions that require ongoing treatment like diabetes and cancer, are eligible for coverage. And, if your pet has a pre-existing condition that is curable and has been treated, and it has been symptom free and treatment free for 180 days, the condition will become eligible for coverage.**

Alternative Therapies

With SPOT On Coverage, you can get reimbursed for alternative therapies like acupuncture, chiropractic care, and rehabilitative therapy for covered conditions. Human healthcare isn’t one-fix-fits-all anymore, and neither is animal healthcare.

**With the exception of ligament and knee conditions, which includes anterior cruciate ligament (ACL), cranial cruciate ligament (CCL), lateral collateral ligament (LCL), medial collateral ligament (MCL), medial patella luxation (MPL), lateral patella luxation (LPL) or meniscal damage. These conditions, once deemed pre-existing, cannot be covered even after successful treatment.

Preventive Pet Insurance Options*

gold

Preventive Care

$9.95

Per Month
MAXIMUM ANNUAL BENEFITS
Dental Cleaning$100
Wellness Exam$50
Flea/Heartworm Prevention$0
Canine DHLPP or Feline FVRCP Vaccine/Titer$20
Rabies and/or Canine Lyme or Feline FIP Vaccine/Titer$20
Canine Bordetella or Feline FELV Vaccine/Titer$0
Fecal Test$20
Canine Heartworm or Feline FELV Test$20
Blood Test$0
Urinalysis$0
Deworming$20
Health Certificate$0
Total Annual Benefit$250

platinum

Preventive Care

$24.95

Per Month
MAXIMUM ANNUAL BENEFITS
Dental Cleaning or Spay/Neuter$150
Wellness Exam$50
Flea/Heartworm Prevention$25
Canine DHLPP or Feline FVRCP Vaccine/Titer$25
Rabies and/or Canine Lyme or Feline FIP Vaccine/Titer$25
Canine Bordetella or Feline FELV Vaccine/Titer$25
Fecal Test$25
Canine Heartworm or Feline FELV Test$25
Blood Test$25
Urinalysis$25
Deworming$25
Health Certificate$25
Total Annual Benefit$450

 *Preventive care coverage is an additional cost.

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pet covered.

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