Spot | Pet Insurance Review


out of 10

134 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 10.0
  • 9.7
  • 9.7
  • Count
  • 4
  • 33
  • 134
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 10

POSTED: | BY: Bree Mercer

4 days was all it took

4 days was all it took. I am a new pet owner and my baby had to go to the Vet. I was worried about the entire submitting a claim process, but it was seamless. I submitted it on a Friday by Wednesday my direct deposit came and SPOT covered more than I expected. It was seamless

out of 10

POSTED: | BY: Jeffrey Dean

Thank you for being such a great asset...

Thank you for being such a great asset to pet owners. The service is timely and the follow through is wonderful. If you have questions the staff is easily accessible. The payments are direct deposited and go right into my bank account. I highly recommend this company. Again, thank you for serving us.

out of 10

POSTED: | BY: Guzel Timergaleeva

SPOT review...

We have been choosing insurance for our toy poodle Rosie for a very long time. We decided to choose the insurance company SPOT. Compared to other insurances, this company is better andalso cheaper; has a 90% coverage: accidents, illnesses and plus the health of the puppy. We have already had two complaints about our visits to veterenary clinic and insurance covered it, we are absolutely delighted. The claims were reviewed and reimbursed in a short time! We are very glad that we have chosen this insurance!

out of 10

POSTED: | BY: Jacqueline Sanabria

My first claims experience

I had my first experience making a claim for my cat Treasure. The claims were as expected and processed quickly. I have the claim form in my file with my vet so they can send it in for me. Thank you.

out of 10

POSTED: | BY: Bonnie Mcdaniel

Very fast and reimbursed 100%...

Very fast and reimbursed 100% what they said they would

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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