Spot Pet Insurance vs Pet Secure - Pet Insurance Plans Comparison Guide
Make an Informed Decision: Compare Coverage, Costs, and Customer Reviews.
Navigating the world of pet insurance can be overwhelming. With numerous providers and plan options, it's crucial to choose a policy that offers comprehensive coverage without hidden fees or complex terms. Spot Pet Insurance aims to simplify this process by providing transparent and customer-friendly plans. In this comparison, we'll delve into the key differences between Spot and PetSecure, empowering you to make an informed decision that ensures your pet's well-being.
When comparing Spot Pet Insurance and Pet Secure, focus on coverage limits, deductibles, reimbursement rates, and exclusions to determine the best plan for your pet's needs and budget.
Preventive Care Add-On Options
No Waiting Periods for Accidents
Annual Deductible
Multiple Pet Discounts for 2+ Pets
Accident-Only Plan Option
Multiple Annual Limit Plan Options for Accident & Illness Plans
Prescription Food
Alternative Therapies
Behavioral Issues
Sick Exam Fees
14 Day Waiting Period for Illnesses
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Included
Not included/Some inclusionsPreventive Care Add-On Options
Add-ons to a pet insurance policy that can help cover routine veterinary services for your pet to help keep them healthy year-round.
No Waiting Periods for Accidents
The period of time that must pass before coverage can begin for new eligible accidents. Waiting periods begin on the policy's effective date.
Annual Deductible
"*Spot and PetsPlusUs plan deductibles are based on the age of the pet. **Trupanion and Petsecure plans have per-condition deductibles"
Multiple Pet Discounts for 2+ Pets
*PetsPlusUs, PetSecure, OVMA, Peppermint, Desjardins, and Sonnet Pet Insurance plans only offer multi-pet discount when 3+ pets are enrolled.
Accident-Only Plan Option
Plan designed only to help cover unexpected accidents.
Multiple Annual Limit Plan Options for Accident & Illness Plans
*Petsecure and Peppermint plans have per condition annual limits
Prescription Food
"*Spot, Trupanion plans reimburse 50% of the cost, up to $500 per year. *Furkin plans limit reimbursement to up to $100/year for cats and $250/year for dogs *Pets Plus Us plans limit reimbursement to $50 for cats and $200 for dogs up to 2 months per policy year. *Peppermint plans limit reimbursement to up to $75 per year. *PHI Direct plans only cover eligible conditions for 1 policy year for the life of the policy."
Alternative Therapies
"*Trupanion and Desjardins plans require additional monthly cost to cover. *PHI Direct plans only cover eligible conditions for 1 policy year for the life of the policy."
Behavioral Issues
"*Trupanion and Desjardins plans require additional monthly cost to cover *PHI Direct plans only cover eligible conditions for 1 policy year for the life of the policy."
Sick Exam Fees
Coverage for the vet exam fee that apply to most unexpected vet visits. This can include x-rays, diagnostics, MRIs, or any other exam the vet deems medically necessary to diagnose or treat a pet.
14 Day Waiting Period for Illnesses
The period of time that must pass before coverage can begin for new eligible illnesses. Waiting periods begin on the policy's effective date.
Comparison information provided using publicly available information as of 3/5/24 for the purpose of summarizing program features, not a specific plan. Questions regarding other provider’s plans should be answered by contacting an agent of that company. It is our intention to reflect accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing customercare@spotpetinsurance.ca or by mailing PTZ Insurance Services Ltd. at 710 Dorval Drive, Suite 400, Oakville, ON, L6K 3V7.
Spot Pet Insurance vs. Pet Secure Pet Insurance Plans
No Waiting Period for Accidents
Enroll your pet in a Spot plan and have immediate peace of mind knowing their accident coverage starts the next day. There's no waiting period for accidents, giving you quick protection for unexpected injuries. Pet Secure plans have a 48-hour waiting period before your pet’s accident coverage begins.
Multiple Pet Discounts for 2+ Pets
Spot Pet Insurance plans are designed with pet parents in mind. We offer multi-pet discounts to help make caring for your furry family more affordable: 5% off each for two pets, and 10% off each pet for three or more enrolled. Pet Secure doesn't offer any multi-pet discounts for just 2 pets enrolled. You need to enroll at least 3 pets in a Petsecure plan to get a multi-pet discount.
Accident-Only Plan Options
Spot Pet Insurance provides pet parents with flexibility by offering both Accident-Only and Accident & Illness plans. This helps you to choose the coverage that best fits your pet’s needs. For instance, an Accident-Only plan can be a more budget-friendly option that can still provide important protection in case of unexpected accidents. Pet Secure, on the other hand, does not offer an Accident-Only plan option.
Coverage for Prescription Foods
Spot plans help support your pet’s health by covering up to 50% of the cost of prescription foods prescribed to treat a covered condition, with a maximum of $500 a year. This valuable benefit can help you manage the eligible costs and care of health conditions your pet may experience in the future. Pet Secure plans do not offer this type of coverage.
Exclusive Perks & Discounts
Spot® offers exclusive discounts on pet essentials such as food, accessories, medications and more bringing you total savings value of up to $650 per year. Check it out at Spot Perks.
Conclusion
Spot Pet Insurance understands that every pet and budget is unique. That's why we offer Accident-Only and Accident & Illness plan options and multi-pet discounts available for 2+ pets enrolledThis flexibility, along with coverage for prescription food for eligible conditions and no waiting periods for accident coverage, helps set Spot plans apart from Pet Secure plans. Choose a provider that allows you to pick the best coverage for your furry friend.
Comparison information provided using publicly available information as of 3/5/24 for the purpose of summarizing program features, not a specific plan. Questions regarding other provider’s plans should be answered by contacting an agent of that company. It is our intention to reflect accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing customercare@spotpetinsurance.ca or by mailing PTZ Insurance Services Ltd. at 710 Dorval Drive, Suite 400, Oakville, ON, L6K 3V7.
Happy Pet Parents Trust Spot
Very professional and easy to submit a claim
I have never had to put a claim in until the last 8 months which totalled two claims. I am very impressed with customer service because on my first claim I need assistance. I put the second claim in early this week and it has been processed already. So far I have had an excellent experience.
Highly Recommend for Peace of Mind!
I recently signed up for pet insurance, and I couldn't be more pleased with the service. The sign-up process was easy, and their customer service team was incredibly helpful in answering all my questions. Having a furry and no furry friend can be unpredictable, but knowing that I have coverage for accidents, illnesses, and even routine care gives me peace of mind. The claims process is simple and quick. Whenever my pet needs treatment, I can rest assured that the insurance will cover a significant portion of the costs. It's comforting to know that I won't have to choose between my pet's health and my finances. Overall, I’m so glad I made the decision to invest in pet insurance. I highly recommend it to any pet owner looking to safeguard their furry companion's health and well-being!
Quick response
Quick response. Website easy to use with compatible browser. Payout was as expected.
Very responsive
Very responsive! My two cats started having issues (ear infection, vomiting, heart murmur…) and I was getting quite anxious about the piling bills but Spot has been super fast reimbursing me (they say it can take up to 2-3 weeks but they took 1). Thank you Spot for supporting my kitties’ health!
Spot is a great pet insurer
Spot is a great pet insurance company. They’re quick to reply to claims, trustworthy, affordable and have transparent policies in place. Very much recommend their services.
sad for my lost but graceful to have…
sad for my lost but graceful to have support
Wonderful company
I’ve never had insurance for a pet before but every interaction with spot has been easy and friendly! I highly recommend this company and getting insurance. Once you need it it’s hard to understand why I’ve never gotten it before.
Easy to use claim submission
Easy to use claim submission and very helpful customer service.
The service was fast and great
The service was fast and great. Thank you very much!
Great experience so far
Straight forward process to submit claims and quick turnaround for reimbursement. Great experience so far. I have recommended Spot Insurance to other pet owners.