Spot vs Trupanion pet insurance
Their main accident & illness plans side by side, from each insurer's own documents (reviewed 2026-05-19).
Key differences
- › Trupanion has an unlimited annual limit option; Spot tops out at $10,000.
- › Exam fees: Spot — covered; Trupanion — not covered.
- › Trupanion uses a per-condition lifetime deductible; the other resets every year.
- › Dental: Spot — accidents only; Trupanion — injury & disease.
- › Trupanion can pay your vet directly at checkout.
| Spot | Trupanion | |
|---|---|---|
| Plan | Accident & Illness (Levels 2–4) | Comprehensive Policy |
| Reimbursement | 70/75/80/85/90% | 90% |
| Annual limit (max) | $10,000 | Unlimited |
| Deductible | Annual | Per condition |
| Exam fees | Covered | Not covered |
| Dental | Accidents only | Injury & disease |
| Alternative therapy | Included | Add-on |
| Pays vet directly | No | Yes |
| Accident wait | 1 day | 5 days |
| Illness wait | 14 days | 30 days |
| Orthopedic wait | None extra | None extra |
| Wellness option | Yes | No |
| Multi-pet discount | 5% for 2 pets, 10% for 3+ | None |
| Enrollment age | New policies: dogs up to 10, cats up to 12. | New policies up to age 14. |
| Availability | Not sold in Quebec. | Sold in every province. |
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