ASPCA Pet Health Insurance vs Spot pet insurance
Their main accident & illness plans side by side, from each insurer's own documents (reviewed 2026-10-16).
Side by side
| Feature | ASPCA Pet Health Insurance | Spot |
|---|---|---|
| Plan | Complete Coverage | Accident & Illness |
| Price level | $$ Mid-range | $$ Mid-range |
| Reimbursement | 70/80/90% | 70/80/90% |
| Annual limit (max) | Unlimited | Unlimited |
| Deductible | Annual | Annual |
| Exam fees | Covered | Covered |
| Dental | Injury & disease | Injury & disease |
| Pays vet directly | No | No |
Show all rows
| Feature | ASPCA Pet Health Insurance | Spot |
|---|---|---|
| Alternative therapy | Included | Included |
| Accident wait | 14 days | 14 days |
| Illness wait | 14 days | 14 days |
| Orthopedic wait | None extra | None extra |
| Wellness option | Yes | Yes |
| Multi-pet discount | 10% for each additional pet | 10% on additional pets |
| Cured pre-existing | Can be covered | Can be covered |
| Enrollment age | No maximum enrollment age. | No maximum enrollment age. |
| Availability | Sold in every state. | Sold in every state. |