Pet insurance is essential if you have a pet at home. Whether you’re a new pet owner or have a much-loved pet, you want to choose pet insurance that provides quality coverage to keep your pet healthy and ensure you don’t. won’t have to pay an arm and a leg in vet bills.
There are many options available to you for insuring your pet. Since you only want the best for them, you will need to do some benchmarking to make your decision. It might seem overwhelming, so take a look at two of the leading pet insurance companies: Spot and Trupanion. Read on to find out which is best: Placing Pet Insurance Vs. Trupanion Pet Insurance.
Shared Benefits of Spot and Trupanion
Spot and Trupanion each offer excellent benefits to pet owners. If your pet has been prescribed food by their veterinarian or needs a dietary supplement to treat covered conditions, Spot and Trupanion will cover these costs, which can get quite high for therapeutic diets and dietary supplements .
Spot Pet Insurance and Trupanion Pet Insurance cover veterinary specialists, chronic illnesses and dental illnesses. Another key coverage offered by both plans is the included coverage of hereditary and congenital conditions without limitation, which includes hip dysplasia, eye disorders and heart disease.
Committing to an insurance policy can seem daunting. But with Spot and Trupanion, you won’t have to feel locked in if the company isn’t right for you. The companies offer a 30-day money-back guarantee so you can determine if the policy is right for you and your pet. Be sure to read this warranty policy carefully to stay informed of the limitations, as you may not be able to take advantage of the warranty if any claims within those first 30 days have been paid or approved.
The Many Limitations of Trupanion Pet Insurance
Although Trupanion offers some basic pet coverage benefits that you can take advantage of, there are many limitations to their plans. Trupanion does not offer a preventative care option, helping you cover the cost of promoting your pet’s overall health. This add-on is available through Spot Pet Insurance to help cover the cost of wellness exams, dental cleaning, flea and heartworm prevention, deworming, and more.
If you have more than one pet you wish to insure, Trupanion will not offer any discount for multiple pet coverage, which Spot is happy to do. The cost of insuring multiple pets will be very expensive, which could, if you have more than one, ultimately mean paying more in insurance than the cost of veterinary care for your pet.
Some pet owners choose to purchase accident-only insurance. This type of coverage is for large veterinary bills that could result from an accident, instead of covering your pet’s general well-being. This option isn’t available with Trupanion, so if that’s the type of coverage you’re looking for, Spot is the way to go.
Do you have an older dog that you want to insure? Trupanion will not enroll pets for coverage that are over the age of 14. Spot, on the other hand, has no upper age limit. If you’re a little behind on insuring your older pet, go with Spot. Note, however, that if you choose Trupanion for your pet’s insurance and the pet is under 14 years old, your pet will not lose coverage. Your coverage options won’t decrease or be restricted, no matter how old your pet is.
If your pet has behavioral issues, Spot covers the cost of veterinary visits to address the behavior of concern. Coverage is included in their regular plans. Trupanion does offer coverage for behavioral issues, but it’s not included in their traditional plan and would instead require an additional fee to add the coverage.
Placing Pet Insurance Vs. Trupanion Pet Insurance
When you compare the coverage and plan options with Spot Pet Insurance Vs. Trupanion Pet Insurance, there is a clear option that is much better suited for pet parents. One-Time Insurance includes all the features pet owners need to ensure their loved one is covered whether they are injured or working to maintain their well-being. You know your pet deserves the best and Spot can give you peace of mind that your pet’s health is well taken care of.