Spot | Pet Insurance Review


out of 5

Number of reviews 143

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.8
  • 4.8
  • Count
  • 4
  • 38
  • 143
Spot is committed to helping pets lead longer, healthier lives by providing pet health insurance with best-in-breed service and high-quality coverage.  This is especially important at a time when vet care is becoming more expensive each year. Spot’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 and enable a healthy lifestyle for pet families at both ends of the leash. 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, illnesses, 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.

out of 5

POSTED: | BY: Neva Smith

SPOT Insurance is the best to ME for ALL MY CATS

They are easy to use (after they get your Cats 1st Visit History anyways. Then they Pay pretty fast & pay a lot in my book. AND I pay a monthly low amount to all they pay. AND I love my Veterinary place too. They are kind, and gentle and do a good job handling my Pets.

out of 5

POSTED: | BY: Maria Soto

Peaches Loves Spot!

Have had Spot for my cat Peaches for 2 years now and the customer service has been consistently pleasant, submitting claims is easy, and MY LIFE is easier now that I can worry less about bills when I take her to the vet. Definitely recommend!

out of 5

POSTED: | BY: Justin Saint

Easy, Fast, Reliable

This is my first time using insurance for one of my dogs and its been quick and easy!

out of 5

POSTED: | BY: Carole Miller

Great Services that Save You Money!

Spot has been incredible for me and my 2 cats Luna and Smokey. First of all, the customer service reps are the most helpful, kind people I've experienced before which is rare to find for an insurance company. Second, the claims and reimbursements have been EASY and FAST. I can't believe it took me this long to start getting insurance for my pets but wow am I glad I did. I tell all my pet-parent friends that insurance is a MUST. Thank you Spot for taking care of my babies.

out of 5

POSTED: | BY: AnneMarie Triplett

Buyer beware!

Buyer beware! After paying Spot Pet Insurance for years, when our pet had to go to the emergency clinic, they refused to pay our claim even though we had 2 different veterinarians stating plainly (diagnosis and letters from the vets) that our dog had eaten something, then vomited, then aspirated some of the vomit, which caused aspiration pneumonia. They have steadfastly tried to get out of paying our claim despite what the vets said was an accident, insisting that they don't cover illnesses. They are trying to use a loophole to get out of paying the claim. Both vets clearly stated that pneumonia was SECONDARY to the accident and we have accident insurance. They are insisting the primary diagnosis was an illness, not an accident as the veterinarians diagnosed. This has cost us 4k and a whole lot of headaches going back and forth with Spot. Look elsewhere.

Monthly Cost

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


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.


$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.


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

Spot Pet Insurance is 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. Policyholders can use any licensed vet, including coverage eligible mobile and virtual vets. 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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