Spot vs. Trupanion Pet Insurance

Spot is the better pet insurance provider overall. It ties with Trupanion at sixth for dogs and beats it by three spots for cats. Your best choice depends on what matters most:

• Affordability: Spot wins for cat insurance (ranked fourth nationally, one spot higher than Trupanion). Trupanion leads for dog insurance (ranked sixth, three spots ahead of Spot).
• Customer Experience: Spot ranks second nationally for both dogs and cats. It beats Trupanion by three ranks. Spot delivers a better experience no matter which pet you insure.
• Coverage: Trupanion ranks second nationally for both dogs and cats. It beats Spot by six spots. Pick Trupanion if you want the most comprehensive coverage.

Learn more about the best pet insurance options for your pet across different situations:

Spot ranks as the best pet insurance company in most states, beating Trupanion in 49 states for cats and 31 states for dogs. Trupanion only leads in Arkansas for cat coverage but wins 19 states for dog insurance.

Based on our analysis, Spot beats Trupanion across all pet insurance cost categories for dogs and cats. Young dog owners save the most, paying 54% less with Spot compared to Trupanion. Senior dogs offer the second-highest savings at 53% less.

Spot ranks as the cheapest pet insurance provider across all 50 states, consistently beating Trupanion for dogs and cats of every age.

Spot wins on pet insurance discounts, offering three ways to save compared to Trupanion's lack of options. Spot provides 10% off for multiple pets, AAA and Blue Cross Blue Shield members and employer group plans.

Spot delivers better customer experience than Trupanion, earning the second spot in our national ranking, while Trupanion trails behind by three ranks. Both companies hold A+ ratings from the Better Business Bureau, but Spot outperforms by maintaining a higher Trustpilot score and positive sentiment on Reddit.

Trupanion offers better pet insurance coverage for dogs and cats, leading ahead of Spot by six ranks. Although Trupanion doesn't provide many options for policy customization, it wins against Spot by offering a zero-deductible plan and direct vet payment. Trupanion may also have shorter waiting periods for accidents and illnesses, depending on the state.

Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.

Spot and Trupanion both offer ways to expand base coverage, but their approaches differ. Spot provides structured wellness plans for preventive care, while Trupanion focuses on therapeutic and rehabilitation support after accidents or illnesses.

• Gold wellness plan: Covers wellness exams, dental cleaning, vaccines, heartworm tests, fecal tests and deworming.
• Platinum wellness plan: Includes all Gold plan benefits plus spay/neuter or dental cleaning, blood tests, flea/tick medication, Bordetella/FELV vaccines, urinalysis and health certificates.

• Recovery and complementary care: Provides coverage for rehabilitative therapy, hydrotherapy, chiropractic treatments, acupuncture, and behavioral therapies following accidents or illnesses.
• Pet owner assistance package: Offers reimbursement for additional expenses related to lost pets, boarding fees, travel or holiday cancellation costs, third-party property damage caused by your pet or cremation or burial assistance.
• Breeding: Covers illnesses and injuries related to breeding, whelping and queening.

Spot beats Trupanion overall, offering more affordable pet insurance for cats and better customer service. Spot charges $49 monthly for middle-aged dogs and $30 monthly for cats, which are 45% and 38% less than Trupanion's rates. Spot also maintains 4.7 out of 5.0 and A+ ratins from Trustpilot and BBB, respectively. However, Trupanion provides more comprehensive coverage options, including direct veterinary payments and zero-deductible plans for pet owners prioritizing extensive financial protection over cost savings.

Compare other major pet insurance companies to determine the best choice for your pet:

Compare Spot and Trupanion pet insurance through these common questions: