Spot | Pet Insurance Review


out of 5

Number of reviews 158

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.0
  • 3.7
  • 4.7
  • Count
  • 3
  • 15
  • 158

Updated: November 13, 2023

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: Joseph Zintel

I did it all online

I did it all online. Fast and easy. All the information was available for me to compare products and make my decision. Thank

out of 5


Easy to navigate and good rates

Easy to navigate and good rates

out of 5

POSTED: | BY: Patsy

Signed up our new pup at 10 weeks old

Signed up our new pup at 10 weeks old. Have not used pet insurance before and have had multiple dogs with health and illness conditions that we have spent thousands of dollars for over the past 35 years. After extensive research decide on Spot plan for accident & illness. It has the best copay and coverage options as well as a shorter term of exclusion for diagnoses that have been resolved. Does not use a fee schedule, but pays based on the percentage of coverage you choose. It was great to receive a welcome call with information on the benefits as a reminder about coverage. Hoping we don't ever need to file a claim, but if we do, it is great to have this coverage to support payment and also to have telemedicine coverage to support our puppy Rowan,

out of 5

POSTED: | BY: Temre. J.

I am a happy camper!

I searched everywhere for the right pet insurance. I needed an affordable plan but I also wanted decent coverage. I got both!! The reviews about Spot Insurance were "spot" on.

out of 5

POSTED: | BY: William Stadler

Friendly customer service!

The customer service rep was super friendly and reviewed my plan for my dog. She set up my bank account to my spot account. She answered all questions thoroughly. Super sweet customer service rep! Thank you!

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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