Our reviewers evaluate products and services based on unbiased research. Top Consumer Reviews may earn money when you click on a link. Learn more about our process.

Spot vs Pet Assure

Tuesday, December 3rd

2024 Pet Insurance Company Reviews

Spot Review 4.5 Star Rating

Spot

4.5 Star Rating
  • Accident + Illness plan quoted at $102.56/month; Accident-only plan at $27.22/month
  • Covers cats and dogs 8 weeks and older with no upper age limit
  • Annual limits range from $2,500 to unlimited
  • Reimbursement rates of 70%, 80%, or 90%
  • Annual deductibles from $100 to $1,000
  • 14-day waiting period for all conditions
  • Claims processed in 2-7 days
  • Covers exam fees, therapeutic diets, and behavioral treatments
  • 30-day money-back guarantee
  • 10% multi-pet discount available

Spot has an affordable accident-only pet insurance plan that even includes exam fees. Their accident and illness plan is comprehensive, but if you need even more coverage, you can opt for a wellness plan. The waiting period for most conditions is only 14 days (as opposed to 6 months for orthopedic conditions) and your claim will be processed in about a week. The company is rated well by customers and the Better Business Bureau alike. Spot is just missing a couple of perks that our first-place pet insurance company offers, so it comes in second.

Pet Assure Review 3.5 Star Rating

Pet Assure

3.5 Star Rating
  • Pricing: Four discount plans ranging from $9.95 to $21.95 per month, with annual billing options available
  • 25% discount on all in-house medical services at participating veterinarians
  • Covers pre-existing conditions with no exclusions based on age, type of pet, or breed
  • Network of over 5,600 participating veterinarians across the United States and Puerto Rico
  • No claims process for discount plan - discount applied at checkout
  • Secondary wellness plan (Mint Wellness) available with additional benefits
  • Covers all types of pets
  • No waiting periods for coverage
  • Positive customer satisfaction ratings (4-star average on Trustpilot)
  • "A+" rating from the Better Business Bureau

Pet Assure isn't a traditional pet insurance company. If the prospect of fighting a multi-million dollar company to reimburse you for a claim of a few thousand dollars makes you want to swear off pet insurance altogether, this might be the alternative you're looking for. Absolutely every condition or illness for any kind of pet is eligible for a 25% discount from their network of 5,600 veterinarians when you're a Pet Assure member, and it costs just $11.95 a month for one dog. Their website could be clearer - you may need to sign up for their wellness plan to use the discount plan - but they have great approval from customers and the Better Business Bureau alike.

What is the Best Pet Insurance Company?

If you're a pet owner, chances are you've thought about how to care for your furry friend in the event of an emergency. Veterinary bills can add up quickly, especially if your pet needs surgery or treatment for a chronic illness. Pet insurance can help cover these unexpected costs, making it easier to provide the best care for your pet without breaking the bank.

From puppies prone to accidents to older cats with ongoing health needs, pet insurance can be a valuable tool to help you manage costs while giving your pet the treatment they deserve.Pet insurance comes in a few different types, which vary based on the coverage they offer. For instance, some plans only cover accidents, such as a broken leg from a fall, while others offer more comprehensive coverage that includes illnesses, wellness checkups, and vaccinations.

The Best Pet Insurance Companies Compare Pet Insurance Companies Compare Pet Insurance Company Reviews What are the best Pet Insurance Companies Best Pet Insurance Company Reviews

Pet Insurance Company FAQ

Generally speaking, all ages are welcome when it comes to providing your pet with pet insurance. As the pet gets older rates may be more expensive than if you would have gotten coverage at a younger age. Please keep in mind some companies have age restrictions for when they can accept a dog or cat into their insurance plan. Typical restrictions are around 12+ years of age.
No one can forecast when your dog or cat is going to digest something they shouldn't have or have an accident related injury. Luckily, pet insurance helps to protect the pet owner against unexpected veterinary bills that can reach into the $1,000s.
It is recommended to get pet insurance before winter or summer seasons. During those seasons, there are more dangerous elements that are exposing your pet to potential illness and accidents. As far as age goes for the puppy, insurance companies recommend getting your pet insurance when your new best friend arrives home.
Typically, insurance companies only insure cats and dogs. But some companies will insure dogs, horses, other large animals, cats, other small animals, rodents, reptiles, and birds.
Depending on the company, a pet insurance claim can be sent via several different methods. Methods can include email, fax, or regular mail. When completing a claim make sure to include all of your paid vet bill invoices, and any other required documents. When the claim is processed it will either be accepted with a reimbursement, more information needed (i.e. incomplete claim form), or denial (i.e. due to non-coverable services)
Of course, your pet insurance travels with you, wherever you go. Some insurance companies may have restrictions when it comes to international travel. Make sure to check with your pet insurance company if you plan on taking your furry friend across the border.
It depends greatly on which company and plan you decide to go with. Most pet insurance companies cover accidents and illnesses after a waiting period. If the illness is a preexisting condition, you're likely not to receive any coverage. It's important you understand the fine print of any plan you may decide to go with.
In general, veterinarians do not handle pet insurance claims. Veterinarians and the owner make choices for the pet's medical care and overall health. If the care is covered by the insurance, the insurance company will reimburse the owner a percentage of the bill (depending on the chosen insurance plan's coverage) after the care and service has been performed.
Compare the Best Reviews

Continued from above...

Basic accident-only plans tend to be more affordable, but they won't help if your pet develops a long-term health condition. Comprehensive plans may include preventive care as well, though they often come with higher monthly premiums. Other policies cover hereditary or congenital conditions, which can be particularly important if your pet is a breed known for specific health issues.

The cost of pet insurance depends on factors like your pet's age, breed, and health history, as well as the type of coverage you choose. Monthly premiums can range from under $10 to over $100, so understanding the differences among plans can save you money in the long run. Additionally, different insurance companies have various reimbursement models and payout limits. Some plans reimburse a percentage of each vet bill, while others have annual limits, meaning you'll want to consider how much you're likely to spend on your pet's healthcare each year.

It's important to choose the right pet insurance plan the first time. If you decide to switch to another provider later, any health issues your pet has developed in the meantime will be considered pre-existing conditions by the new provider and not covered. You should also be aware that "upgrading” to a better policy from the same provider can technically be considered canceling your old policy, meaning the conditions your pet is currently covered for may become considered pre-existing.

Here are some key factors to keep in mind when shopping for pet insurance:

  • Coverage options. Decide whether you want a plan that covers only accidents or one that includes illnesses and preventive care. Comprehensive plans can offer peace of mind, but they come with a higher price tag.
  • Reimbursement structure. Look at how each plan reimburses you for vet bills. Some cover a percentage of each bill (like 80% or 90%), while others have a fixed payout per condition. Choose the one that best matches your budget and expected vet expenses.
  • Annual limits and deductibles. Most plans have a yearly or per-condition deductible. Be sure you understand the amount you'll need to pay out of pocket before coverage kicks in. Plans with lower deductibles tend to cost more per month but cover costs sooner.
  • Breed-specific coverage. Certain breeds are prone to genetic health issues. Make sure your policy covers any conditions common in your pet's breed if you think it could be a future concern.
  • Claims process. Filing a claim can take anywhere between 2 days and 30. Choose a provider that doesn't require a lot of back-and-forth about medical records. Some providers even pay your vet directly, no claim necessary.
  • Customer reviews and reputation. A company's reputation can tell you a lot about its service quality. Reading reviews can give you insight into how well claims are handled and how easy the process is overall.

Top Consumer Reviews has evaluated and ranked the best pet insurance companies available. We hope this review helps you find the best service for your pet, so you can feel confident they're covered, no matter what life brings.

See the Best Pet Insurance Company
The Best Reviews of Pet Insurance Companies