Spot | Pet Insurance Review


out of 5

Pet Insurance Reviews: 147
Trustpilot Reviews: 1,098

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.0
  • 4.5
  • 4.8
  • Count
  • 4
  • 24
  • 147
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: Philip Saiz

Great website to use and sign up our pet

Very easy to sign up.

out of 5


Efficient processing

Processing of bill was very quick.

out of 5

POSTED: | BY: Hope Cardwell

Very easy to customize your coverage…

Very easy to customize your coverage for your pet. It also provides option to add wellness coverage, which I liked a lot. Have not had the need to submit a claim as of yet, but I am hopeful it will be as easy as my sign-up process.

out of 5

POSTED: | BY: kelly taylor

Gladly pocket premiums, but don't pay claims

Paid premiums on auto draft. 1st claim submitted for kennel cough on both dogs. Claims turned down. Called for reason told couldn't get histories from the vet previously taken ( even though they had history on one since he was only 16 weeks old and history was vaccinations only). The sad part was that the claims would have only applied to deductible. No $ at stake. Both claim on both dogs rejected. Cancelled these crappy policies and evidently wasted the premiums paid. Do not risk your pets' health's with this so-called insurance.

out of 5

POSTED: | BY: Eric

They are sleazy

They are sleazy. Good luck if you live in an expensive area as they will find any reason to not cover your needs. Everything becomes a pre-existing condition and the 2 week start window is really your dog's whole life + 2 weeks as everything will be a preexisting condition, including hunger apparently. I am filing with the insurance fraud commission it is so notable.

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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