Spot | Pet Insurance Review


out of 10

134 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0.0
  • 9.7
  • 9.7
  • Count
  • 0
  • 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: Customer

Everyone should insure their pet using Spot!


out of 10

POSTED: | BY: Mere

Spot's quote process was super easy and...

Spot’s quote process was super easy and when I got my policy for my Shepard mix Luna they even called to welcome us :-)

out of 10

POSTED: | BY: Grace Gurucharri

Grateful for Spot Pet!

After my sweet boxer puppy, Macho, had been sick and in and out of the vet for months, I knew I needed to look into some health care coverage for him. The vet bills had stacked up and I couldn’t risk Macho getting sick again. I am so thankful I found Spot Pet insurance because I have peace of mind knowing that Macho is covered at our favorite local vet and can get the proper health care he needs!

out of 10

POSTED: | BY: Samuel Nielsen

Easy, simple, kind

I've never had pet insurance before so there were a lot of questions. I really appreciated the Spot team providing clear, simple answers. They helped me understand what to look for in pet insurance and we identified the right plan. This was easy, the process was simple, and the customer service rep was kind. Give them a call yourself.

out of 10

POSTED: | BY: Stephanie Roy

My dog has allergy issues - found a good plan for her

I have two dogs, one with major allergies issues, and decided to look into pet insurance for all of her medical expenses. When I went to the Spot Pet Insurance website, I was surprised at how easy it was to use their quote tool and how quickly I got a quote. Their plans were solid and I decided on one that worked for my dog. Highly recommend!

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)

Get a quote today

Leave a review