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Cesar Millan, Chairman of Spot Pet Insurance, is using his voice to educate pet owners on the real benefits of pet insurance. This is especially important at a time when vet care is becoming more expensive each year. Spot and Cesar’s focus is to provide pet owners with the tools to help create a world of healthier pets and happier owners. Our pets are part of our pack, and it's important to treat them with the same respect as our human family. A big part of that is to provide proper healthcare for our furry friends.

With the costs of today’s pet care, having Spot in your corner is helpful for your pet’s health and wellness needs. Spot policies help cover a wide range of covered conditions such as accidents medications, diagnostics, exams for covered conditions, and treatment—even alternative therapies. Spot also provides preventative plans, which include dental cleanings, vaccinations, flea prevention and more for a little extra cost! Spot wants pet parents to worry less and play more with their furry family. Discover the peace of mind of having Spot Pet Insurance.

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Average customer rating

9.7 Out of 10
60 Days 1 Year Lifetime
Rating 2.3 9.7 9.7
Count 4 92 98

Spot Pet Insurance Reviews

1
 Out of 10

Worthless

Insurer: Spot Pet Insurance Reviews
Posted: 12/18/2020
By:
Max
Putnam-Petrone

Terrible policy. To much red tape. Healthy Paws much better.

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Injury/illness
Claim Amount
Breed

Mixed breed Giant (90 Lbs +)

Age of Pet
1 - 8
3
 Out of 10

Poor Customer Service

Insurer: Spot Pet Insurance Reviews
Posted: 12/14/2020
By:
Deanna
Chambers

Trying to get reimbursed for a claim. They sent 6 emails saying only they need additional information. They contacted my vet multiple times, even though I told them they do not communicate with insurance companies. It took me a month to discover they...

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Injury/illness
Claim Amount
Breed

Mixed Breed Toy (up to 10 Lbs)

Age of Pet
Under a year
4
 Out of 10

Claim processing time is not as advertized

Insurer: Spot Pet Insurance Reviews
Posted: 12/14/2020
By:
Jason
Richards

We decided to go with Spot based on the reviews we read and the advertised quick claim processing that stated 48-72 hrs. We adopted a new aussie puppy and we went with both the pet insurance and the wellness plan. I submitted all the paperwork we...

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Injury/illness
Claim Amount
Breed

Australian Shepherd - Miniature

Age of Pet
Under a year
1
 Out of 10

I wish I could say SPOT will have your back, but I can’t…

Insurer: Spot Pet Insurance Reviews
Posted: 11/24/2020
By:
Guillermo

I wish I could say SPOT will have your back, but I can’t…

We purchased the policy when my puppy was 3 months old. He got into trouble and swallowed rocks twice: once before and once during the insurance waiting period. The first time, he went to the ER...

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Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
Under a year
Monthly Cost

Rates start at: $10 (for accident only), $16 (Complete Coverage). plan costs vary based on plan type, pet breed, age, 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, $500, $750 or $1000 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.

for a full list of exclusions visit spotpetins.com/sample-policy

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.

Insurance plans are underwritten by United States Fire Insurance Company. Insurance plans are marketed and produced by Spot Insurance Services, LLC. (NPN # 19246385)

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