Spot | Pet Insurance Review


out of 10

134 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
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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: Victoria Ross

Great Coverage

I just rescued a cat last week. Wanted to have pet Insurance just Incase. Very informative website, easy to apply on line. Preventive cost is very reasonable which I added. Now days with the high cost of vet bills I do recommend protecting your pet. Thank you Spot.

out of 10

POSTED: | BY: Patrick Leeper

Straight forward

Straight forward, provided information on what I needed. Quick quote.

out of 10

POSTED: | BY: Chen Jeri

Good insurance

Good insurance

out of 10



good insurance

out of 10

POSTED: | BY: Alexa Lynn

Quick, efficient, and comprehensive

This past October, I got my puppy Archie and I couldn't be more in love. Archie is a long-haired Dachsund, and although he is small he is the more energetic, happy little dog. I never envisioned myself with a Dachsund, but when I found this little puppy at the animal shelter I knew I had to have him. When I got home, I looked up health problems Dachsunds are prone to getting and learned that due to their distinct shape they are prone to more issues than other dogs. Archie thankfully has no pre-existing conditions, and I want to make sure he lives a long, healthy life. Regular Vet visits are imperative, whether a puppy or in Archie's later years. I have never bought pet insurance before and was a little nervous. But, after visiting Spot's site, I learned how simple and comprehensive their plans were. I got an immediate free quote specific to Archie. Now Archie never has to be without proper care. Things that stuck out to me: 1. Visit any veterinary 2. Free custom quote specific to Archie 3. Monthly low payments 4. Their goal is to process your claim within 7 days or less, assuming proper documentation is received. This was huge for me since I live on a fixed income. The best feeling is knowing I never have to choose between Archie and the care he needs.

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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