Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 9,922

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.
5

out of 5

POSTED: | BY: Elisa Stallone

Spot makes is easy to use

Spot made it easy to customize the plan I thought would work best for us and the price is very reasonable. I also love that they offer the option to cover routine annual care making that process less stressful on us financially. I didn't know purchasing this plan my puppy would end up having a very rare autoimmune disease causing us to need this policy very early on. Im beyond grateful that having this policy has made taking care of my little girl that much less stressful, the ability to submit my claims is super easy, their turnaround time is fast for repayment, and it's directly deposited into my checking account. Anytime I have questions about coverage they are quick to answer the phone and review information with me. Thank you Spot for making a very stressful situation just a bit easier on us!
Read more on Trustpilot
5

out of 5

POSTED: | BY: Milly Capric

I have had Spot for about 2 years

I have had Spot for about 2 years. My dog just had surgery for a growth that came out of nowhere. I submitted claims through the app and just attached medical records and my statements. I was reimbursed in less than 2 weeks. It's so great not having to worry about costly vet bills, and just getting your pet the treatment they deserve because you know Spot will take care of the rest! Thank you for staying true to what you advertise, Spot!
Read more on Trustpilot
4

out of 5

POSTED: | BY: Jodi Deboer

Everything was prompt and professional

Everything was prompt and professional. Great response from the chat.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Mika

Outstanding pet insurance overall.

Outstanding pet insurance overall.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Gail Oliveira

Khloe's claim August 2025

I was so pleased with the results of my recent claim for veterinary services for my rescue, Khloe. Your response was prompt and thorough. She and I are thrilled.......and she's feeling so much better.
Read more on Trustpilot
Please leave a review

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 detail
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)
Provider website

Get a quote today

Leave a review