Spot | Pet Insurance Review


out of 10

134 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0.0
  • 9.7
  • 9.7
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  • 31
  • 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: Zach Gassman

Quick and Easy

The claim process was pretty quick and easy. Got the reimbursement in about a week. I hope I don’t have to use the claims very often, but I am glad to know it’s there for me in case anything happens

out of 10

POSTED: | BY: Wendy Kelso

New pet insurance

I didn't create any claims yet - just decided to purchase it for my beloved cat as he is getting older and you can never be too sure. I have read some great pet parent experiences about Spot Pet Insurance and hope I get the same. It was relatively easy to navigate the website and I loved how transparent the conditions are. I did some research and decided this was the one as I live in NYC and things can get pretty expensive; I purchased the annual one time payment because that's just how I prefer to pay. I hope I won't ever have to use it but just in case I do, I'll be prepared.

out of 10

POSTED: | BY: Eurith Long-Emerson

The process of signing up and finding...

The process of signing up and finding the coverage right for our dog was 'Spot' on! It was easy to follow, understand and had very good options. I have never had Pet Insurance before and I am relieved that we have it for our dog Stella.

out of 10

POSTED: | BY: Joseph Smith

Quick and Easy!

Quick, easy and relatively inexpensive way to provide peace of mind for you and your pups!

out of 10

POSTED: | BY: Alex Kishinevsky

Easy user experience

Easy explanation. User Flow was smooth. The price was competitive. The idea of going to any vet and submitting the claim directly is great. I want to be in charge of submitting the claims.

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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