Spot | Pet Insurance Review


out of 10

134 Verified Reviews

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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


Best insurance on the market

The process to onboard with Spot was super easy. We have total piece of mind for our family of pets. I would recommend them to everyone that has a dog. Thanks Spot team!!

out of 10

POSTED: | BY: Customer

Our family is so happy we switched

Our family is so happy that we switched our pet insurance from Nationwide to Spot. It was an extremely easy process getting our Cavapoo, Sloane, set up and covered. Anytime we have any questions or concerns, the customer service team at Spot is always there to help us on the phone. We recommend them to all pet owners! Thanks Spot!

out of 10

POSTED: | BY: Shelly S

Our little girl had many medical issues...

Our little girl had many medical issues these past 2 years. Spot was able to cover our claims very quickly. The biggest hurdle we thought we would face was when we moved 3 times in 1 year due to my husband's job. Trying to locate a licensed vet that was covered by Spot was much easier than we anticipated. We were able to give her specialty care these last two years and her doctors were able to improve her quality of life. - Shelly S.

out of 10

POSTED: | BY: Cesar Millan

Quote process was very simple and easy

Quote process was very simple and easy to follow. The staff was very professional and helpful throughout. There is a variety of great coverage options in which I feel assured knowing that my pet family is covered. With Spot Pet Insurance I am confident in protecting my pets, as protecting them is loving them.

out of 10

POSTED: | BY: Kenneth B

I've only been with Spot Pet Insurance...

I've only been with Spot Pet Insurance for a short time now. I must be honest and state that I'm being informed of all important aspect of a pet's life. I really do appreciate all the informative facts that I receive by emails.

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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