Key Differences
Spot covers some costs in its base plan that the ASPCA Pet Health Insurance Program offers as an optional add-on.
The ASPCA Pet Health Insurance Program’s annual limit is up to $10,000. Spot has the option to configure up to unlimited.
Spot has more configuration options for deductibles ranging from $100 to $1,000.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans ASPCA Pet Health Insurance Program and Spot offer.
 |
 |
|
|---|---|---|
Price: |
Get a Quote | Get a Quote |
Overall Rating: |
|
|
Total Reviews: |
7,591 |
8,516 |
Deductible: |
$100, $250, or $500 |
$100, $250, $500, $750 or $1,000 |
Reimbursement: |
70%, 80%, or 90% |
70%, 80%, or 90% |
Annual Limit: |
$2,500 to $10,000 |
$2,500 to Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
15 days |
14 days* |
Illness Waiting Period: |
15 days |
14 days* |
Wellness Waiting Period: |
0 days |
0 days |
Orthopedic Waiting Period: |
14 days |
14 days* |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Optional |
Dental Coverage: |
Limited Coverage |
Limited Coverage |
Exam Fee Coverage: |
Yes |
Yes |
Direct Vet Pay: |
No |
No |
Claims Expiration: |
Within 270 days of treatment |
Within 270 days of treatment |
Claims Submission App: |
Yes |
Yes |
The ASPCA Pet Health Insurance Program Accident and Illness Coverage
The accident and illness coverage from the ASPCA Pet Health Insurance Program, Complete Coverage, may provide coverage for unexpected health issues your dog or cat may encounter. You can customize this coverage to fit your needs and budget.
Deductible Options
$100, $250, or $500
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$2,500, $5,000, $7,000, or $10,000
What’s Covered
Accidents
Alternative Therapy
Behavioral Issues
Behavioral Therapy
Cancer Coverage
Chronic Conditions
Dental Care (Limited)
Emergency Care
Exam Fees
Hereditary Conditions
Illnesses
Prosthetic Devices and Wheelchairs
Prescription Medications
Orthopedic Issues
Preventative Care Coverage
The ASPCA Pet Health Insurance Program provides two levels of an optional preventative coverage add-on, Basic and Prime:
Basic Preventative Care Coverage
Dental Cleaning
Wellness Exam
DHLPP Vaccine/Titer or Feline FVRCP Vaccine/Titer
Rabies and/or Canine Lyme or Feline FIP Vaccine/Titer
Fecal Test
Heartworm or Feline FELV Test
Deworming
Prime Preventative Care Coverage
Dental Cleaning OR Spay/Neuter
Wellness Exam
DHLPP Vaccine/Titer or Feline FVRCP Vaccine/Titer
Rabies and/or Canine Lyme or Feline FIP Vaccine/Titer
Fecal Test
Heartworm or Feline FELV Test
Deworming
Flea/Heartworm Prevention
Blood Test
Urinalysis
Bordetella or FELV Vaccine/Titer
Health Certificate
Spot Accident and Illness Coverage
Spot offers an accident and illness plan with extensive options to configure your policy to your budget and needs.
Deductible Options
$100, $250, $500, $750, and $1,000
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, or Unlimited
What's Covered
Accidents
Alternative Therapy
Behavioral Issues
Cancer Coverage
Congenital Conditions
Dental Illnesses
Emergency Care
Hereditary Conditions
Hospitalizations
Illnesses
Microchip Implantation
Prescription Medications
Surgery and Specialized Care
X-rays and Tests
Vet Exam Fees
Virtual Vet Visits
Optional Wellness Add-On
Spot offers two optional wellness coverage add-ons to their insurance plan: Gold and Platinum. This optional coverage can reimburse you up to a certain annual amount for select preventative and routine care.
Gold
Dental Cleaning
Wellness Exam
Dog DHLPP or Cat FVRCP Vaccine/Titer
Dog Heartworm or Cat FELV Test
Rabies and/or Dog Lyme or Cat FIP Vaccine/Titer
Deworming
Fecal Test
Platinum
Spay/Neuter OR Dental Cleaning
Wellness Exam
Dog DHLPP or Cat FVRCP Vaccine/Titer
Dog Heartworm or Cat FELV Test
Rabies and/or Dog Lyme or Cat FIP Vaccine/Titer
Deworming
Fecal Test
Flea/Heartworm Prevention
Health Certificate
Dog Bordetella or Cat FELV Vaccine/Titer
Urinalysis
Blood Test
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for ASPCA Pet Health Insurance Program and Spot.
ASPCA Pet Health Insurance Program Claims Details
The ASPCA Pet Health Insurance Program has an app you can use to submit your claims directly. Alternatively, you can fax, mail, or email your claim form with invoice(s) within 270 days of treatment.
Quick claims process with an easy-to-use app
Trackable claim status using the app
Direct deposit option for receiving reimbursements
Spot Claims Details
You can use Spot’s app or website to submit your claims directly. Alternatively, you can fax, mail, or email your claim form with invoice(s) within 270 days from the date of treatment.
Offers direct deposit as a reimbursement option
Convenient claims submission using the Spot Pet Insurance app
Claims are processed within 5-7 days on average
Our ASPCA Pet Health Insurance Program vs. Spot Review
The ASPCA Pet Health Insurance Program and Spot offer comprehensive coverage for accidents, illnesses, and various health issues. Both insurers offer an optional wellness coverage add-on.
The ASPCA Pet Health Insurance Program and Spot offer multiple reimbursement, deductible, and annual limit options to customize your coverage and price. However, Spot offers an unlimited annual limit. Overall, both insurers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
