Spot | Pet Insurance Review


out of 5

Number of reviews 1,585

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.3
  • 4.8
  • Count
  • 3
  • 16
  • 1,585
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 5

POSTED: | BY: carl leininger

Still waiting

When I signed up it indicated I would receive the coverage information through email within a few days. It has now been 8 days and I have heard nothing. If nothing is heard by next week, I will cancel the policy.

out of 5

POSTED: | BY: Barbara Keltos

Nothing yet

Nothing yet. Haven’t needed to use Spot yet

out of 5

POSTED: | BY: Denise Sanchez

Claims process is long and grueling

Claims process is long and grueling. I have submitted only 2 claims in the 5 months I have purchased 2 policies and each time it has taken over a month to process a claim. And with each claim, I received little to zero reimbursement despite paying for a higher plan to include wellness. Feels like I have been ripped off and I no longer recommend this to anyone and will more than likely not be extending my policy. The only good thing thus far are the customer service agents I work with over the phone. Working over email? Dreadful. I have to call about my claims to get any movement, otherwise I will be told they are waiting to receive medical records, and I send them (i have proof in the email thread they were sent) and I will be told they didn’t receive anything. I also don’t get a response when I ask to be notified when they receive my documents. Super huge fail.

out of 5

POSTED: | BY: disatisfied customer

Good customer service

I was having trouble on the website so I called and promptly got to a knowledgable person who answered all my questions. Sign up was easy and the price was better than others.

out of 5

POSTED: | BY: Kim Shelton

Has everything we need

Has everything we need

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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