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 $1,500 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 enrolled. This 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.
* Eligibility is open to all. Based on total combined Spot Perks discounts applied to avg. vendor cart value. See spotpetinsurance.ca/perks-terms.
Happy Pet Parents Trust Spot
The company is very responsive with an…
The company is very responsive with an easy to use on line claim submission process. They are quick to review claims and provided reimbursement in a timely manner.
They are fast
They are fast. They are easy to talk. What else do I need more than that:)
Quick and easy to submit my claim
Quick and easy to submit my claim. Coverage was as expected. Thank you
Peace of Mind for Pet Parents
I couldn’t be happier with my experience using Spot Pet Insurance. From the start, their sign-up process was simple, transparent, and user-friendly. I appreciated the ability to customize my coverage and deductible to fit both my pet’s needs and my budget. What truly sets Spot apart is their exceptional customer service. Whenever I had questions about coverage or claims, their support team was responsive, knowledgeable, and genuinely caring—exactly what you want when you're stressed about your pet’s health. Submitting claims is straightforward through their website, and the turnaround time has been impressively fast. I’ve had a couple of unexpected vet visits, and Spot reimbursed me quickly and fairly. It’s such a relief knowing I can make healthcare decisions for my pet without financial panic looming in the background. If you’re on the fence about pet insurance, I highly recommend Spot. It’s been a game-changer for our family and given me real peace of mind that my pet will always get the care they deserve.
Seamless
Seamless, easy to navigate platform and so quick
Easy claim process
Easy claim process, fast reimbursement. I didn’t expect things to be reimbursed this fast so that was impressive. I wish the system let me upload more document after the claim has been initiated. A bit difficult to navigate the communication part as they say to call them but I just needed to email (sending additional invoices, notes from the vet). Hard to find email to send about the claim.
Best insurance absolutely no waiting…
Best insurance absolutely no waiting for them to finish your claim. Will recommend to everyone with pets
Claim process is simple and…
Claim process is simple and reimbursements are fast
Highly Recommend!
I’m so thankful that we obtained pet insurance through Spot Insurance for our puppy! We have submitted 3 claims, and have been reimbursed 90% within 3 days of submitting them. Great service, and very friendly representatives whenever I’ve had to contact them. Would 100% recommend Spot Insurance. Well worth the monthly fee.
Quick response and transparent and easy…
Quick response and transparent and easy claim processes