Spot Pet Insurance Vs Trupanion

Pet insurance has increasingly become an essential tool for pet owners. It offers financial relief in times of unforeseen accidents, illnesses, or other pet health-related emergencies. Among the myriad of choices available in the market, two companies, Spot Pet Insurance and Trupanion, stand out as leading contenders. However, making the right choice between the two can be a daunting task. This article delves deep into a comparison between Spot Pet Insurance and Trupanion, providing you with a comprehensive guide to help you make the best choice for your pet’s healthcare needs.

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Spot Pet Insurance: A Closer Look

Spot Pet Insurance is a newer player in the pet insurance market but is fast gaining reputation for its comprehensive coverage and flexible options.


  1. Customizable Coverage: Spot stands out with its highly customizable plans. You can choose the level of deductible, reimbursement percentage, and annual limit that suits your budget.
  2. Shorter Waiting Periods: Spot typically offers shorter waiting periods than many other providers, particularly for orthopedic issues, making it an excellent choice for breeds prone to such conditions.
  3. Broad Coverage: Spot provides broad coverage, including accidents, illnesses, hereditary and congenital conditions, dental diseases, behavioral issues, and prescription medications.
  4. Preventative Care Option: Spot also offers a preventative care package as an add-on to its basic plan, covering routine care like vaccinations, dental cleanings, and wellness exams.


However, Spot’s preventative care package requires an additional cost, and pre-existing conditions are not covered – a standard exclusion in most pet insurance plans.

Trupanion: A Thorough Examination

Trupanion, on the other hand, is a seasoned provider in the pet insurance sector, known for its straightforward, comprehensive one-plan policy.


  1. Lifetime Per Condition Deductible: Trupanion’s unique deductible structure sets it apart from the competition. It has a per condition lifetime deductible, meaning once it’s paid for a particular condition, coverage for that condition is deductible-free for the rest of the pet’s life.
  2. Direct Vet Payment: Trupanion stands out with its ability to pay veterinarians directly at the time of the visit, reducing out-of-pocket costs for pet owners.
  3. Comprehensive Coverage: It offers coverage for hereditary and congenital conditions, unidentified issues, diagnostic tests, surgeries, hospital stays, medications, and prosthetic devices and carts.


Trupanion doesn’t offer any wellness plan option, meaning routine care isn’t covered. Also, its policies come with a relatively longer waiting period before coverage begins.

Spot: Flexibility and Comprehensive Care

Customizable Policies

Spot shines in its versatility, offering pet owners the chance to adjust their plans according to their financial constraints and their pet’s health needs. The freedom to select from a range of deductibles, reimbursement rates, and annual limits gives you the reins to your pet’s coverage plan. This allows for a more tailored insurance policy, unlike a one-size-fits-all approach.

Broad-Ranging Coverage

Spot provides an extensive coverage scope, from common issues such as accidents and illnesses to chronic, hereditary, and congenital conditions. This means whether it’s an unexpected accident or a long-term health condition that your breed is predisposed to, Spot has you covered.

Behavioral Therapies and Alternative Treatments

Spot also extends its coverage to behavioral therapies, a rarity among pet insurance providers. If your pet requires professional training or therapy for behavioral issues, Spot’s coverage could be an asset. Furthermore, they cover alternative treatments such as acupuncture and hydrotherapy, providing more comprehensive healthcare options for your pet.

Trupanion: Simplicity and Robust Coverage

Lifetime Per Condition Deductible

The standout feature of Trupanion is its lifetime per condition deductible. Once you’ve met your deductible for a specific condition, you will not need to pay the deductible again if your pet experiences the same condition in the future. This can potentially save you a significant amount in the long term, particularly if your pet has chronic conditions.

Direct-to-Vet Payment

Another unique selling point of Trupanion is their direct-to-vet payment system. This means that instead of paying the vet bill upfront and waiting for reimbursement, Trupanion can pay your vet directly at the time of the visit. This feature significantly reduces the financial burden at the point of service.

Comprehensive, Uncomplicated Coverage

Trupanion offers one simple, comprehensive plan, doing away with the need to compare different levels of coverage. Their coverage is robust, encompassing everything from diagnostic tests and surgeries to medications and hospital stays.

Spot: Optional Preventative Care Package

Spot offers an optional preventative care add-on, termed the “Gold” or “Platinum” Preventive Care packages. These cover routine and preventative care services such as annual check-ups, vaccines, screenings, and even microchipping, depending on the package you choose.

Trupanion: Recovery and Complementary Care Rider

Though Trupanion does not offer routine or wellness care coverage in their base policy, they provide an additional rider called the Recovery and Complementary Care Rider. This covers non-clinical procedures like physical therapy, acupuncture, hydrotherapy, behavioral modification therapy, and more.

Spot Vs Trupanion: Which One to Choose?

Both Spot and Trupanion offer reliable pet insurance coverage, but they cater to different needs. Spot may be a better choice if you’re seeking customizable coverage and short waiting periods, particularly for orthopedic issues. Its optional preventative care package is also beneficial for those wanting routine care coverage.

Trupanion, with its lifetime per condition deductible and direct vet payment, is a great choice for pet owners who want comprehensive, hassle-free coverage without worrying about the financial aspect during every vet visit.

Frequently Asked Questions

How Fast Are Claims Processed by Spot and Trupanion?

Spot aims to process claims within 14 days, and it provides a user-friendly online portal where customers can submit and track their claims. On the other hand, Trupanion’s direct-to-vet payment system often processes payments at the time of the vet visit, reducing the hassle for pet owners. If you choose reimbursement, Trupanion aims to process claims within 60 days.

Are Pre-existing Conditions Covered by Spot or Trupanion?

Like most pet insurance providers, neither Spot nor Trupanion covers pre-existing conditions. However, both companies make a distinction between curable and incurable pre-existing conditions. If your pet has a curable pre-existing condition and remains symptom and treatment-free for a certain period (usually around 12 months), that condition might be covered in the future.

Does Spot or Trupanion Cover Prescription Medications?

Yes, both Spot and Trupanion cover prescription medications. If your pet is prescribed medication for a covered condition, the cost of the medicine will typically be included in your coverage. However, over-the-counter supplements and non-prescription drugs are not covered.

Are Older Pets Eligible for Coverage Under Spot and Trupanion?

Trupanion has no upper age limit, making it an excellent choice for older pets. They provide coverage as long as the pet is enrolled before their 14th birthday. Spot, on the other hand, offers policies for pets of all ages. However, as pets get older, the premiums may increase, and certain conditions might be considered pre-existing, hence not covered.

How Does Spot’s Preventive Care Package Compare to Trupanion’s Optional Packages?

Spot’s Preventive Care Package covers routine and wellness care, including vaccinations, dental cleanings, and flea and tick prevention. This makes it ideal for pet owners who want to include regular vet visits in their coverage. Trupanion doesn’t offer a routine care package. However, they do provide a Recovery and Complementary Care Rider that covers alternative treatments like physiotherapy, rehabilitative therapy, chiropractic care, acupuncture, and other non-traditional treatments.

Does Spot or Trupanion Offer Multi-Pet Discounts?

Spot offers a multi-pet discount of 10% for each additional pet you insure. This could result in significant savings for households with multiple pets. Trupanion, however, doesn’t currently offer a multi-pet discount.

Do Spot or Trupanion Cover Spay/Neuter Surgeries?

Neither Spot nor Trupanion cover spay/neuter surgeries under their base policy, as these are considered elective procedures. However, if you choose Spot’s Preventive Care package, costs related to spay/neuter surgeries can be covered as part of routine and preventative care.

Are Alternative Treatments Covered by Spot or Trupanion?

Yes, both providers offer coverage for alternative treatments. Spot covers treatments such as acupuncture and hydrotherapy in its base policy. Trupanion, while not including this in the core policy, provides the Recovery and Complementary Care Rider, covering treatments like hydrotherapy, physiotherapy, and even behavioral modification therapy.

Does Trupanion or Spot Require a Veterinary Exam for Enrollment?

Both Spot and Trupanion require that pets undergo a veterinary exam for enrollment. However, the timing differs. Spot requires an exam within 12 months prior to the start of the policy or within 14 days after the policy begins. Trupanion mandates an examination within 30 days of policy commencement. This exam helps identify any pre-existing conditions that might affect coverage.

Can I Choose My Own Veterinarian with Spot or Trupanion?

Both Spot and Trupanion allow you to choose your own vet, offering flexibility for pet owners. As long as the vet is licensed, you can take your pet to any veterinarian, emergency animal hospital, or specialist in the country.

Do Spot and Trupanion Cover Dental Treatments?

Spot covers dental treatments related to accidents, such as tooth extractions and reconstructive surgery. However, it does not cover routine dental care like cleanings, unless you purchase the optional preventive care package. Trupanion covers dental illnesses and injuries, including extractions and root canals, but routine dental cleanings and preventative dental care are not covered.

How Do Spot and Trupanion Handle Increases in Premiums?

With both Spot and Trupanion, it’s important to note that your premium may increase over time. These changes are typically due to factors like your pet’s age, changes in veterinary costs, and advancements in veterinary medicine. Spot and Trupanion will inform you about any changes in your premium at the time of policy renewal.

What is the Waiting Period for Spot and Trupanion?

With Spot, there’s a 14-day waiting period for illnesses and a 2-day waiting period for accidents. Orthopedic conditions in dogs have a 6-month waiting period, but this can be reduced to 14 days with a certificate from your vet stating your dog is in good health.

For Trupanion, there’s a 5-day waiting period for injuries and a 30-day waiting period for illnesses. It’s worth noting that no coverage is provided during these waiting periods, which begin after the policy’s effective date.

Do Spot or Trupanion Cover Hereditary and Congenital Conditions?

Both Spot and Trupanion cover hereditary and congenital conditions, provided these conditions aren’t pre-existing. This coverage can be beneficial for purebred pets, who might be prone to breed-specific conditions.

Are Behavioral Therapies Covered by Spot or Trupanion?

Spot provides coverage for behavioral therapies under its base plan, provided they’re carried out by a vet and aren’t associated with training or obedience. Trupanion covers behavioral therapies as well, but only under the Recovery and Complementary Care Rider.

Can I Adjust My Deductible and Reimbursement Rate with Spot and Trupanion?

Yes, both companies allow you to adjust your deductible and reimbursement rate. This flexibility lets you better manage your premium costs and the out-of-pocket expenses you’re comfortable with. Remember, a lower deductible and higher reimbursement rate will typically increase your monthly premium, and vice versa.

What Happens if I Want to Cancel My Policy with Spot or Trupanion?

If you want to cancel your policy with Spot, you can do so at any time without penalty. If you cancel within the first 30 days and haven’t filed any claims, you’ll receive a full refund. Trupanion also allows policy cancellation at any time, but they don’t provide refunds for the current policy month.

Do Spot and Trupanion Offer Direct Payment to Vets?

While Spot typically reimburses you after you’ve paid the vet bill, in some circumstances, Spot can arrange direct payment to the vet. Trupanion, on the other hand, offers a unique direct payment option where they can pay your vet directly at the time of service, taking the burden off you to pay a hefty bill upfront.

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