Spot Pet and Trupanion are two of the leading pet insurance companies you have to choose from as a pet owner. Looking through the benefits of each option can feel overwhelming. How do you know you’re choosing the best coverage for your pet? Read on for a comprehensive comparison of Spot Pet Insurance Vs. Trupanion Pet Insurance so you can make the right choice for your pet.
With any insurance, you will need to ensure your pet is eligible to be put on a plan. Some insurance companies will not accept pets with certain health conditions, such as chronic conditions. Spot and Trupanion both accept all pets regardless of health. So if you do have a pet with a condition, you won’t have to worry about being denied coverage.
Another key factor to look into when shopping for pet insurance is upper age limits. Trupanion had an age restriction for new enrollments and will not accept newly insured pets that are older than 14 years old. However, if you insure your pet younger than 14, you won’t expect to lose coverage after 14. If you’re looking to insure an older pet, Spot is the insurance company you need. The company does not place an upper age limit on coverage so you won’t have to worry about your older pet.
Do you have multiple pets and find that when you add up the cost of insuring each one, you’re shocked at how much the price is? The costs can really start to add up, so you want to find an insurance company that offers a discount for multiple pets. Sadly, Trupanion does not have such a discount. Luckily, Spot Pet Insurance does. Spot offers policyholders a 10% discount on their coverage plan after insuring their first pet.
If your pet has a condition that requires a therapeutic diet or dietary supplements, both Spot and Trupanion can help cover the costs. The conditions must be covered by the policy and prescribed by a veterinarian and must meet safety standards and be accompanied by a guaranteed analysis. The costs for these foods and supplements can be quite high, so having assistance with costs can be huge for pet owners.
When it comes to finding the right coverage for your pet, you want options. Spot Pet Insurance helps you get the coverage you’re seeking with two additional coverage choices. In addition to their traditional plan, you can add preventative care. This option covers the cost of veterinary visits that promote your pet’s general health and prevents illness – such as wellness exams or deworming.
If investing in a full policy isn’t of interest to you, Spot allows you to get accident-only coverage. This plan covers the costs associated with accidents that could result in large vet bills. Trupanion does not offer additional coverage options, so if an accident-only policy or preventative care coverage is something you’re looking for, Trupanion is not the best option.
Choosing an insurance plan for your pet can be a big decision. What happens if you make the wrong one? Both Spot and Trupanion understand that it can take some time to decide if a plan is right for your pet and that it can take testing out the policy to determine if it’s right, which is why both insurance companies offer a 30-day money-back guarantee. If either service isn’t right for you (and you haven’t had any claims approved or paid), you can cancel your coverage. Before you sign your policy, make sure you review the guarantee to stay informed on the process so you know and understand the stipulations.
Trupanion offers some similar benefits compared to Spot Pet Insurance, but there are many limitations to their coverage options. When weighing all the benefits of each, Spot wins out with a plan that’s more robust and will result in not only incredible cost savings but better care for your pet. Your search for the best pet insurance ends here. It’s time to invest in a plan with Spot Pet Insurance.