Spot | Pet Insurance Review


out of 5

Number of reviews 5,753

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 2.9
  • 4.7
  • Count
  • 1
  • 11
  • 5,753

Updated: May 29, 2024

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: Leela Gadson

Highly Recommend

The simplicity of getting reimbursed for my service dogs vet bills is absolutely amazing. Solace has had several visits and I haven’t had any issues with Spot at all. Highly recommend!

out of 5

POSTED: | BY: Nicole Lopez

Simply and Efficient

The ease of submitting a claim through the app was so nice! It was stress free and I received my reimbursement quickly.

out of 5

POSTED: | BY: Diane Seelman

Beyond Happy

The app was easy to use . And the claim was processed quickly . This was my first claim with Spot and I am beyond impressed . I had a precious pet insurance paid every month an they denied every claim with less than adequate explanation. So switched to Spot and am more than happy I did

out of 5

POSTED: | BY: Gustavo DePaula

A reliable pet insurance option that fits your needs

It is not anybody’s wish that they ever have to utilize their pet insurance policy because it means our furry friends are sick. In my case, I recently had a series of events that necessitated medical care for my pup. Spot Insurance made it so easy and convenient and the last of my concerns was the money I would be spending to save my loved one - best decision I made years ago to switch to SPOT from another major provider - I would definitely recommend this to anybody, especially given your ability to customize your plans to your own needs!

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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