Spot | Pet Insurance Review


out of 10

134 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 10.0
  • 9.7
  • 9.7
  • Count
  • 4
  • 33
  • 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: Alex Miller

Thanks Spot Pet

Quick and easy sign up. Great response time. So far everything is great!

out of 10

POSTED: | BY: David Lozano

Great Insurance

My dog paquita (pitbull) is getting close to 10 years, so far all her vet bills have been paid, and the process have been really easy for me, the enrollment process was really fast compared to some other webpages, I have always wanted to get a pet insurance but been delaying it, the good thing is that I am now taking her to the vet for preventive care and so far all has been covered, I love that I will get to keep her longer with me :)

out of 10

POSTED: | BY: George Sheahdeh

Quick Reimbursment

Spot's website was super easy to navigate I got a quote within minutes. When I filed a claim for my Mango (my new frenchy) I got reimbursed within no time! Highly recommend the preventative care!

out of 10

POSTED: | BY: joseph Forkin

Satisfied with Spot

I was searching for a new pet insurance provider after my past one had too many big of changes with rates. I switched to Spot a few months ago and have been very satisfied with how much i'm paying each month, along with the service when i have any questions! Definitely recommend spot if you're looking for a trustworthy company

out of 10

POSTED: | BY: Anthony Gomez

Greatest pet insurance company

Amazing plan, I have 90% reimbursement, 250 deductible, and 10k limit. Super impressed with this company and how they treat policy holders.

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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