Spot Pet Insurance is the only pet insurance recommended by Cesar Millan, and is committed to educating pet parents about the benefits pet insurance has to offer. Affordable and customizable options apply to both Accident & Illness Coverage and Accident Only Coverage

Accident & Illness Coverage plans cover accidents, injuries, illnesses, chronic conditions like cancer, and more. Spot features a simplified reimbursement based on percentage of submitted claims.

Learn more about Spot Pet Insurance’s plan options, get a free quote in 30 seconds, and begin savings on covered conditions. 

Average customer rating

7.7 Out of 10
60 Days 1 Year Lifetime
Rating 7.7 7.7 7.7
Count 3 3 3

Spot Pet Insurance

10
Out of 10
Recommended
Posted: 03/12/2020
By:
Charlotte Albone

Signing up for Spot Pet Insurance was very simple and fast. I was able to customize a quote that was right for me and my dog, Stella. I did file a claim and that was also very simple. The customer support agent who assisted with my claim was very...

Injury/illness
Claim Amount
Breed

Goldendoodle

Age of Pet
1 - 8
3
Out of 10
Posted: 03/10/2020
By:
Tammy OConnor

I was shopping for pet insurance and came across Spot. I called for a quote, and Cindy spent a lot of time going over my options and prices for my 4 dogs. When we concluded that I was interested in the policy, which has a lot of customization options, she...

Injury/illness
Claim Amount
Breed

Shih Tzu

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 02/18/2020
By:
Jeri

Spot was able to help me!!!

Injury/illness
Claim Amount
Breed

Himalayan

Age of Pet
Over 8 years
Monthly Cost

Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

Coverage

The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

Payout Limits

Annual limits can be set by the customer, ranging from $2,500 to $20,000, including an unlimited option.

No lifetime limits.

Deductible

$100, $250 or $500 annually.

Age Limits

No upper age limits. Pets must be at least 8 weeks old to enroll.

Waiting Period

There are no waiting periods for preventive care. Coverage begins 14 days after date listed on policy for accidents, illnesses, and knee/ligament conditions.

Exclusions

Pre-existing conditions, cosmetic procedures and breeding costs are not covered.

Spot Pet Insurance has two Preventive Care plans that can be added to help cover a pet’s wellness care, including annual exams, vaccinations, tests, dental cleanings and flea/heartworm preventive. Preventive Care plans reimburse up to a set amount for each listed treatment.

If your pet exhibited symptoms of a knee and ligament condition at any time, prior to enrollment or during a waiting period, all ligament and knee conditions will be excluded. Ligament and Knee are conditions involving a ligament, patella, meniscus or soft tissue disorder of the knee.

Accident-Only coverage available.

Spot Pet Insurance is the only pet insurance recommended by Cesar Millan. It's committed to helping pets lead longer, healthier lives by providing pet insurance with affordable and customizable plan options. Plans cover accidents, injuries, illnesses and more, and features simplified reimbursement based on percentage of invoice. Preventive Care is available at an additional cost.