Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 9,946

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.
1

out of 5

POSTED: | BY: Miranda Wheeler

Disappointing Experience – Slow Claims Processing but Fast Premium Increases

Disappointing Experience – Slow Claims Processing but Fast Premium Increases I am extremely frustrated with Spot Pet Insurance. I submitted a claim for my dog’s surgery on February 10, 2025, and nearly a month later, I am still waiting for my reimbursement. I have sent all required medical records multiple times—first through my vet (VCA Natomas Animal Medical Center on March 5) and then directly myself on March 10. Despite this, they keep asking for the same information, dragging out the process unnecessarily. What’s even more infuriating? They had no problem increasing my premium right after I filed a claim, but when it comes to actually paying out the reimbursement, they delay and make things difficult. This company claims to be honest and reliable, but my experience has been the opposite. If you’re considering getting pet insurance, be warned—Spot will take your money quickly but stall when it comes to paying out claims. I will be looking for a more trustworthy provider after this experience. DO BETTER, SPOT!
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5

out of 5

POSTED: | BY: Deborah Miller

Quick service…

Claims have been processed immediately and reimbursements timely deposited in my account. Can’t ask for more!
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5

out of 5

POSTED: | BY: Ellen

Pleasantly Surprised

I have had Spot now for almost two years, and this was my first time filing a large claim for an emergency vet visit after a visit with my regular vet. I was very pleased with the outcome. I filed all relevant paperwork and had my reimbursement within three days. I spoke to people I work with about their disappointments with other pet insurance companies and recommended Spot to them.
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3

out of 5

POSTED: | BY: Don Ruths

you are taking wa too long tp process…

you are taking wa too long tp process claims and mail payments, 2 -3 weeks is in appropriatete
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5

out of 5

POSTED: | BY: Sheila Fass

Timely and no hassle

Timely and no hassle
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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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