PHI Direct Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison
Pet insurance can be a tool to help your pet's future health and your own peace of mind. Choosing the right provider for your unique pet is important. Spot Pet Insurance believes in helping make the decision process as smooth as possible. Let's break down some of the key differences between Spot plans and plans from PHI Direct, to help you find the best fit for your furry friend's needs and your 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 Plans vs. PHI Direct Pet Insurance Plans
No Waiting Periods for Accidents
With a Spot plan, your pet’s accident coverage begins the day after they are enrolled – there’s no waiting period before your coverage kicks in. Plans from PHI Direct don’t offer next-day accident coverage. Their plans have a 48-hour waiting period before your pet’s accident coverage kicks in.
Preventive Care Add-On Options
Spot Pet Insurance offers optional wellness riders. Add them to any Accident and Illness plan and get coverage for some essential preventative care benefits like wellness exams, vaccines, dental cleanings, and more. PHI Direct doesn't offer options to cover the eligible costs of routine preventive care services.
Accident-Only Plan Option
Spot Pet Insurance understands that every pet has different needs and every pet parent has different budgets. Our Accident-Only plans help provide coverage for unexpected accidents, at a more affordable price than our accident and illness plans– this plan can help you afford the cost of protection for your pet’s unexpected accidents or injuries. PHI Direct does not offer an accident-only plan option.
Coverage for Prescription Food
Spot Pet Insurance knows your pet's health is paramount. Our plans can help cover up to 50% of prescription food costs (up to $500 annually) to help you manage your pet’s covered health conditions and keep your furry friend feeling their best. Plans from PHI Direct don't offer this coverage.
Conclusion
Spot Pet Insurance is designed to help protect your pet and your wallet. Our next-day accident coverage, Accident-Only plan option, and optional wellness benefits offer pet parents flexibility in coverage. And with our prescription food coverage available to help treat covered conditions, Spot plans can help pet parents manage the eligible costs of both unexpected and ongoing care.
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
Easy to Use
Maybe they will have direct billing in the future, but it was easy to upload/email the invoices and veterinary notes. Reimbursement was sent within a week. The only thing I disliked was having to call poison control, which charges in USD. Since they don't do conversions, they only paid what it was in Canadian dollars.
Prompt and professional
Prompt and professional
10/10, no notes
I have zero complaints about Spot. In fact, I swear by them and strongly recommend. They process the claims really efficiently; one time, I submitted a quote for pre-approval on a Wednesday night and on Thursday morning I had the pre-approval letter. It’s very easy to get someone on the phone too and they’re all helpful and friendly.
Quick and reliable customer service
Quick and reliable customer service
Straight forward, no-hassle insurance.
Would highly recommend Spot Pet Insurance. Their coverage is as described in there literature.
Spot Insurance is always reliable
Insurance company always provides prompt and professional services. The coverage is better than other insurers, and I often recommend them to pet's owners around me.
I love Spot!
Quick claim process. The premium is low.
Claim issue
Great service. Fixed issue immediately
Prompt and professional
Prompt and professional
Your Customer Service is excellent and…
Your Customer Service is excellent and your reimbursement payments prompt! I have had exceptional service working with Julia!