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: Rick Sanchez

The Spot Family is the best!

The Spot Family offers amazing prices, the wellness plans are a personal favorite! Claims are paid quickly and customer service is also very swift and polite!

out of 10

POSTED: | BY: Rusty Shackleford


The price is good and the wellness plans put money in our pocket each time we take our two Aussies to the vet. Claims are paid promptly and they have fast service on live chat. There's not much more you can ask for than that.

out of 10

POSTED: | BY: Anais Whey

Countess von Noodles Is Eternally Grateful

Countess von Noodles looks the dog park. Unfortunately, the dog park does not always love her back. We took her to get her zoomies out after New Year's. Someone awful person left broken glass everywhere. Countess von Noodles had to get seven stitches. Not a great way to start the year. :( Spot took care of everything. Here's hoping there aren't anymore nasty surprises for the rest of the year.

out of 10

POSTED: | BY: Kevin Tierra

Simplest process I’ve been through

I’d recently purchased a policy with Spot for my dog Chauncey. Chauncey is a little older, so the vet bills have added up over the years. I got Spot pet insurance about 5 months ago & thank goodness I did. Chauncey had accidentally swallowed a sock and the surgery was around $2,700 just before Christmas!! I was able to get 80% of that back with Spot and I couldn’t be happier. 10/10

out of 10

POSTED: | BY: Chris Gonzalez

I don't know where I would be without Spot!

Without Spot, I would've had to pay way too much for my puppy's vet bills! Thank you Spot for saving the day!!

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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