Spot | Pet Insurance Review


out of 10

134 Verified Reviews

  • 60 Days
  • 1 Year
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  • 9.7
  • 9.7
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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: David Clark

Be careful, big names you know may have comparable pricing but from the Vet/consumer standpoint, not the easiest to deal with!

Fantastic and easy process. Spoke with many Vets and be carful, while you may find some recognizable names in Pet Insurance at comparable pricing they are not always recognized as the easiest to deal with. Spot got 5 stars from everyone I spoke with.

out of 10

POSTED: | BY: Frank Balisteri

MY experience was great

MY experience was great. Just joined Spot Pet Insurance this year. Had another pet Insurance for years but they out priced themselves. I was really surprised how fast my claim was processed and how easy it was to receive re-reimbursement through direct deposit.

out of 10

POSTED: | BY: Pamela Petrovich

I enrolled my kitten

I enrolled my Kitten. Very easy process ! Customer service is very friendly. Also quick turn around for claims . i highly recommend Spot Pet Insurance.

out of 10

POSTED: | BY: Kathleen Myers

A safe bet

I just enrolled which was a very easy process. I decided to get insurance after speaking to someone who just had a medical problem with their dog. They were delighted they had pet insurance and recommended it highly. Even though my pet Maggie is very healthy i believe it is the safe way to go. From the reviews Spot Pet Insurance gets a very good rating

out of 10

POSTED: | BY: Terry Craig

Easy to navigate

Easy to navigate; very informative. All pricing spelled out so you know what you’re getting

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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