Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 11,668

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: Marsha Harding

Extremely Pleased

My dog had crypt orchid for which he had an orchiectomy and was neutered. I submitted a claim which was denied for having been a preexisting condition. In 2025 my dog was attacked by a much bigger dog. He had an overnight stay at a Pet Emergency Hospital including surgery and several fu visits I was pleasantly surprised that Spot reimbursed me 90% of all of these vet bills which was thousands of dollars! In early 2026 my dog got treated for ear infection and this treatment was also covered at 90% after my $100 deductible was met I am extremely pleased with this Pet Insurance submitting a claim is streamlined and the response time prompt! Thank you SPOT
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1

out of 5

POSTED: | BY: Julie Maye

Do not recommend Spot; Going back to Pets Best

**EDIT** responding to Spot advising I contact customer service. I did… thus the comment the service team is misleading and not helpful. I contacted customer service two separate times and was told the wrong information. Its ok. I cancelled all policies so no future help will be needed. The claims process is confusing. The policies are not transparent. The customer service staff is unhelpful and provides misleading information.
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5

out of 5

POSTED: | BY: Jen Ontiveros

Our First Claim…Easy and quick!

Our dog developed severe dental disease requiring numerous extractions and bone loss from an abscessed tooth. I was very happy about how easy it was to send in the bill from the vet and payment was issued in less than a week. Spot processed the claim in a fair manner and we did not have any difficulties. This was our first claim in almost three years of coverage so I wasn’t sure what to expect but am happy to say Spot provided the coverage we paid for and makes it very easy to submit your claim! Highly recommend them.
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5

out of 5

POSTED: | BY: GW

Efficient

The process was quite simple and non-bureaucratic. The claims were processed quickly, statuses were communicated, and there was no back-and-forth with disputes, needs for endless documentation and verification, or any other red tape.
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5

out of 5

POSTED: | BY: Babak Movahedi

Efficient on time claim resolution

Efficient on time claim resolution
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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)
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