You've done your due diligence to ensure your family has the best medical care possible. But what about your pet? Your pet's health matters, too. And, without adequate pet insurance, you could be looking at huge medical expenses for their care. Shopping around for pet insurance can be overwhelming so read on to learn who has the better insurance: Spot Pet Insurance Vs. Trupanion Pet Insurance.
What Happens When I Meet my Deductible?
Spot Pet Insurance allows you to choose a deductible that's right for you and, once that deductible is met, you can enjoy some benefits. When your deductible is met, the cost associated with illness and accidents related to covered conditions is covered. Annual exams, however, would not be covered in this instance. Comparatively, Trupanion does not offer this benefit. So, if you meet your deductible, you'll still need to pay for exam visits.
Spot has an additional feature when it comes to deductibles: one annual deductible. Each year, you choose a deductible amount of between $100 and $500. Once the annual deductible is met, Spot will reimburse a percentage of your covered expenses. The percentage amount is based on the reimbursement package you selected when choosing your policy. Trupanion does not have a feature similar to this.
What if my Pet has a Chronic Condition?
If your pet has a chronic condition, they will likely need care across multiple plan periods. These kinds of conditions can include cancer or diabetes. With Spot Pet Insurance and Trupanion Pet Insurance, you don't have to worry about your pet becoming ineligible for coverage simply because they have a condition that requires ongoing care. Your pet will not lose out on coverage and can get the care they need to treat the condition.
Who Has Discounts for Multiple Pets?
Spot understands that the cost of insuring multiple pets quickly adds up. So, Spot Pet Insurance will provide a discount. When you insure one pet with Spot, you'll get a 10% discount on every pet you insure after that. Trupanion does not provide a discount for insuring multiple pets through their company.
Does Pet Insurances Cover Microchipping?
Not all pet insurances cover the cost of microchipping. Trupanion is one of those companies. Spot, however, understands the need to keep your pet safe. Spot insurance policies cover the implantation of a microchip by a veterinarian. This can be a huge relief in keeping your pet safe. Do note that while Spot covers the implementation cost, the company does not cover the fees of registering, monitoring, or renewing the microchip.
Who Offers Additional Coverage Options?
Having options is always a good idea when it comes to insurance so you can make sure you're getting exactly the coverage you need for your pet. Unfortunately, Trupanion doesn't offer any additional coverage options.
If you're not interested in purchasing a full coverage policy for your pet, but want to have something to fall back on if they're in an accident, consider Spot's option of accident-only coverage. This plan solely covers the cost of hefty veterinary bills if your pet is in an accident.
If you want to help maintain the wellness of your pet, Spot gives you the option of adding preventative care coverage. This coverage helps cover the cost of wellness exams, flea and heartworm prevention, dental cleanings, and more.
What if I Change my Mind About my Coverage?
There are few things worse than buyer's remorse, especially when it comes to insurance that you're locked into and can't escape. You can't truly know how well a policy will work for you until you see it in effect. Both Spot and Trupanion offer a 30-day money-back guarantee so you can take the time you need to see if the policy is right for your pet.
While both Spot and Trupanion have similar benefits to their insurance plans, Spot Pet Insurance offers a fuller breadth of coverage for pets. With Spot, you can expect to save more money through the multiple pet discount, deductible benefits, and additional coverage options. The better insurance is clear and, if you want the best coverage for your pet, Spot is the only choice for you.