Key Differences
Healthy Paws has a fixed unlimited annual limit, and Spot’s is configurable up to unlimited.
Spot offers an optional wellness add-on, Healthy Paws does not.
Healthy Paws offers Direct Vet Pay with prior approval.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Healthy Paws and Spot offer.
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 |
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|---|---|---|
Price: |
Get a Quote | Get a Quote |
Overall Rating: |
|
|
Total Reviews: |
4,738 |
7,931 |
Deductible: |
$250, $500, $750, or $1,000* |
$100, $250, $500, $750 or $1,000 |
Reimbursement: |
50%, 60%, 70% or 80%* |
70%, 80%, or 90% |
Annual Limit: |
Unlimited |
$2,500 to Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
Varies by state (0 days or 15 days)** |
14 days* |
Illness Waiting Period: |
15 days** |
14 days* |
Wellness Waiting Period: |
Not available |
0 days |
Orthopedic Waiting Period: |
Varies by state (30 days or 12 months); not available to pets enrolling at ages 6+** |
14 days* |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Excluded |
Optional |
Dental Coverage: |
Limited Coverage |
Limited Coverage |
Exam Fee Coverage: |
No |
Yes |
Direct Vet Pay: |
Yes, with prior approval |
No |
Claims Expiration: |
Within any time of the coverage period of your policy |
Within 270 days of treatment |
Claims Submission App: |
Yes |
Yes |
Healthy Paws Accident and Illness Coverage
Healthy Paws offers accident and illness coverage for dogs and cats. You can configure your reimbursement rate and deductible to fit your needs. Healthy Paws does not cover routine, preventative, or wellness coverage in this policy or offer it as an add-on.
Deductible Options*
$250, $500, $750, or $1,000
Reimbursement Options*
50%, 60%, 70% or 80%
Annual Limit Options
Unlimited
What’s Covered
Accidents
Alternative Treatments (FDA-Approved)
Cancer Coverage
Chronic Conditions
Congenital Conditions
Diagnostic Treatment
Emergency Care
Hereditary Conditions
Hospitalization
Illnesses
Prescription Medications
Specialty Care
Surgery
X-rays, Blood Tests, Ultrasounds
*Reimbursement and annual deductible options will vary depending on your pet's age and breed.
Spot Accident and Illness Coverage
Spot offers an accident and illness plan with extensive options to configure your policy to your budget and needs.
Deductible Options
$100, $250, $500, $750, and $1,000
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, or Unlimited
What's Covered
Accidents
Alternative Therapy
Behavioral Issues
Cancer Coverage
Congenital Conditions
Dental Illnesses
Emergency Care
Hereditary Conditions
Hospitalizations
Illnesses
Microchip Implantation
Prescription Medications
Surgery and Specialized Care
X-rays and Tests
Vet Exam Fees
Virtual Vet Visits
Optional Wellness Add-On
Spot offers two optional wellness coverage add-ons to their insurance plan: Gold and Platinum. This optional coverage can reimburse you up to a certain annual amount for select preventative and routine care.
Gold
Dental Cleaning
Wellness Exam
Dog DHLPP or Cat FVRCP Vaccine/Titer
Dog Heartworm or Cat FELV Test
Rabies and/or Dog Lyme or Cat FIP Vaccine/Titer
Deworming
Fecal Test
Platinum
Spay/Neuter OR Dental Cleaning
Wellness Exam
Dog DHLPP or Cat FVRCP Vaccine/Titer
Dog Heartworm or Cat FELV Test
Rabies and/or Dog Lyme or Cat FIP Vaccine/Titer
Deworming
Fecal Test
Flea/Heartworm Prevention
Health Certificate
Dog Bordetella or Cat FELV Vaccine/Titer
Urinalysis
Blood Test
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for Healthy Paws and Spot.
Healthy Paws Claims Details
Healthy Paws Pet Insurance has an app you can use to submit your claims directly. Alternatively, you can fax, mail, email, or submit your claim form on the website with the invoice(s) within any time of the coverage period of your policy. Please note that medical records may be required to complete your pet’s first claim.
Direct deposit option for receiving reimbursements
Convenient claim submission with the Healthy Paws app
Offers direct vet pay on a claim-by-claim basis with prior approval
Spot Claims Details
You can use Spot’s app or website to submit your claims directly. Alternatively, you can fax, mail, or email your claim form with invoice(s) within 270 days from the date of treatment.
Offers direct deposit as a reimbursement option
Convenient claims submission using the Spot Pet Insurance app
Claims are processed within 5-7 days on average
Our Healthy Paws vs. Spot Review
Healthy Paws and Spot offer comprehensive coverage for accidents, illnesses, and various health issues. Spot offers an optional wellness coverage add-on but Healthy Paws does not. As for coverage, Spot has a more flexible configuration, and Healthy Paws doesn’t have annual payout caps and offers Direct Vet Pay. Spot offers multiple reimbursement, deductible, and annual limit options to customize your coverage and price. Healthy Paws has a fixed maximum limit but offers multiple reimbursement and deductible options to customize your coverage and price. Overall, both providers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
