Key Differences
Trupanion offers Direct Vet Pay.
Spot offers optional wellness coverage, Trupanion does not.
Trupanion's accident waiting period is 5 days. Spot's is 14 days in some states and next-day in others.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Spot and Trupanion offer.
 |
 |
|
|---|---|---|
Price: |
Get a Quote | Get a Quote |
Overall Rating: |
|
|
Total Reviews: |
7,931 |
9,216 |
Deductible: |
$100, $250, $500, $750 or $1,000 |
$0 to $1000 |
Reimbursement: |
70%, 80%, or 90% |
90% |
Annual Limit: |
$2,500 to Unlimited |
Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
14 days* |
5 days |
Illness Waiting Period: |
14 days* |
30 days |
Wellness Waiting Period: |
0 days |
N/A |
Orthopedic Waiting Period: |
14 days* |
30 days |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Excluded |
Dental Coverage: |
Limited Coverage |
Included |
Exam Fee Coverage: |
Yes |
No |
Direct Vet Pay: |
No |
Yes |
Claims Expiration: |
Within 270 days of treatment |
Within 90 days of treatment |
Claims Submission App: |
Yes |
No |
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
Trupanion Accident and Illness Coverage
Trupanion offers an accident and illness plan. While the annual limit and reimbursement rate are fixed, your deductible is configurable. Trupanion does not offer an optional wellness coverage add-on to supplement its pet insurance plan.
Deductible Options
$0 to $1000
Reimbursement Options
90%
Annual Limit Options
Unlimited
What's Covered
Accidents
Cancer Coverage
Chronic Conditions
Congenital Conditions
Diagnostic Treatment
Emergency Care
Hereditary Conditions
Illnesses
Prescription Medications
Prosthetic Devices and Wheelchairs
Surgery
Optional Coverage Add-Ons
Trupanion offers additional coverage you can choose to opt-in for added coverage to your base pet insurance plan.
Recovery And Complementary Care Optional Add-On
If you would like to add more support for covering non-clinical procedures, select this add-on.
Acupuncture
Behavioral modification
Chiropractic
Homeopathy
Hydrotherapy
Naturopathy
Physical therapy
Rehabilitative therapy
Pet Owner Assistance Optional Add-On
If you would like to add more support for covering services and unexpected events outside of the veterinary office, select this add-on.
Advertising and reward
Boarding fees in the event you are hospitalized
Liability coverage for third-party property damage
Cremation or burial for deaths due to accident
Holiday vacation cancellation costs
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for Spot and Trupanion.
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
Trupanion Claims Details
Trupanion offers Vet Direct Pay which means they can pay vet bills at checkout wherever it is accepted instead of you having to file a claim. In the case that you do have to file a traditional claim, you can submit them via fax, mail, or email with invoice(s) within 90 days of treatment.
Direct deposit option for receiving reimbursements
Convenient claim submission online
Offers direct vet pay at checkout
Our Spot vs. Trupanion Review
Spot and Trupanion offer coverage for accidents, illnesses, and various health issues. Spot offers an optional wellness coverage add-on, but Trupanion does not. As for coverage, Trupanion doesn’t have annual payout caps and offers Direct Vet Pay. You can configure the deductible of Trupanion’s plan, but the maximum annual limit and reimbursement rate are fixed. Spot offers options for deductibles, reimbursement rates, and annual limits. 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.
