Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 11,404

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: Joshua Kunish

Spot denied my claim and lied about it

Spot is a a horrible health insurance company. Writing I am extremely disappointed with my experience with Spot Pet Insurance. I submitted a legitimate $389 illness claim for my 5-month-old puppy (Claim #8022893), and instead of processing it fairly, the claim was denied without any clear or accurate explanation. What is especially frustrating is that Spot claimed they requested medical records and did not receive them. That is completely inaccurate. I personally emailed the requested medical records directly to them, yet they still acted as though the documentation was never provided. As a paying customer, I expected honesty, transparency, and fair communication during the claims process. Instead, I feel like I was given misleading information and forced to fight for a claim that should have been handled properly from the beginning. Pet insurance is supposed to provide peace of mind during stressful situations with your pet, not add more frustration. Based on my experience, I cannot recommend Spot Pet Insurance
Read more on Trustpilot
5

out of 5

POSTED: | BY: Jennifer Rockhill

Filing a claim is super easy

Filing a claim is super easy. Reimbursement was fast.
Read more on Trustpilot
1

out of 5

POSTED: | BY: Admir Ademovic

This is by far the worst pet insurance…

This is by far the worst pet insurance company out there. Deserves zero stars. My insurance started for a senior dog in 2023. In 2024 my dog had a growth removed from her gums that was potentially cancerous. Fast forward to 2026, and she has three growths removed. The biggest was on the elbow area. I submit my claim to Spot and they declined it for preexisting condition, claiming this was all related to a random growth that she had in 2023 near her mouth and not in the same location as the one in 2024. A few days later, my dog is diagnosed with cutaneous lymphoma at the oncologist. I submit a claim for this and now this claim is also denied for a supposed preexisting condition. How they came to the conclusion that any of these are preexisting conditions is anyone’s guess. So if you’re thinking about getting insurance from Spot, I suggest you go anywhere else as they would literally relate any claim to a preexisting condition without any logic whatsoever just so they don’t have to pay out. What a scam.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Jo Czisz

How fast my claim was processed

How fast my claim was processed
Read more on Trustpilot
1

out of 5

POSTED: | BY: Brandie

Being told that arthritis is a pre-existing condition for cancer?

Being told that biopsies were covered and then to get denied stating that they are not covered and cited a "pre-existing condition of arthritis" was absurd when the biopsies were testing for bone cancer, which as a medical professional, I know those are completely different diseases and not caused by one or the other. Spot can do better for spilling out this incorrect information. It was disappointing and absolutely wrong. Not sure what kind of medical/vetinary background your company has. Paid over $2k in monthly premiums this past year only to get every claimed denied. Last month, Spot decided to allow one vet visit but I haven't met my deductible yet. Also funny coincidence that after that claim was approved that my monthly premiums went up over $50/month with no notice or explanation as to why. Seriously think twice about Spot.
Read more on Trustpilot
Please leave a review

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)
Provider website

Get a quote today

Leave a review