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.
When I first got spot I have. A rescue so when u have a rescue u don’t know all the past and I had to keep calling and sending info! And it was a shit show until I got it straightened out now it’s good
DO NOT USE FOR FRENCHIES EVER. I am writing this review to document how deeply disappointed I am with Spot Pet Insurance and how completely they failed my dog and me. My experience has been financially devastating, emotionally exhausting, and ultimately has shown me that Spot does not provide the protection or reliability they advertise.
1. I paid monthly premiums, but Spot paid nothing when it mattered
I paid $75 per month for coverage, trusting that Spot would help in the event of an emergency. Over the course of the year, that totaled $900. Despite this, Spot did not cover a single dollar of my dog’s care — not routine care, not emergencies, not hospitalization.
2. Spot refused to cover a life‑threatening emergency
My French Bulldog suffered a severe respiratory attack that required:
Oxygen
Overnight hospitalization
Lab work
Emergency care
The total cost was $4,500.
Spot denied the entire claim, citing “BOAS” in his records — even though he is a French Bulldog, a brachycephalic breed by nature. This was not a pre‑existing condition; it was an acute emergency. I appealed six times, and every appeal was denied.
3. Spot also refused to cover medically necessary BOAS surgery
Following the emergency, my dog required BOAS surgery to prevent future respiratory crises. This surgery cost approximately $5,000. Spot denied this as well, again using the BOAS label as a blanket exclusion.
4. Routine care was also not covered
Despite paying monthly premiums, Spot did not cover:
Vaccines ($60 each)
Wellness exams ($125 each)
Any routine care whatsoever
This meant I was paying for insurance and paying full price for basic veterinary care.
5. My total out‑of‑pocket cost last year was over $10,000
Between the emergency hospitalization, surgery, and routine care, I paid over $10,000 out of pocket, on top of the premiums I paid to Spot.
Spot contributed nothing.
6. Spot’s exclusions make the policy nearly useless for French Bulldogs
French Bulldogs are prone to respiratory issues, which is exactly why owners seek insurance. Spot’s approach — excluding anything related to BOAS, even acute emergencies — makes their policy effectively worthless for this breed.
If a Frenchie can’t get coverage for respiratory emergencies, hospitalization, or surgery, then the policy has no meaningful value.
7. The appeals process was exhausting and unproductive
I submitted multiple appeals with documentation, vet notes, and explanations. Every appeal was denied with the same generic reasoning. There was no meaningful review, no nuance, and no willingness to consider the actual medical situation.
Conclusion
My experience with Spot Pet Insurance has been overwhelmingly negative. I paid monthly premiums for a year and received zero coverage, even during a life‑threatening emergency. I was left with more than $10,000 in veterinary bills and no support from the company I trusted to help protect my dog.
Based on my experience, I cannot recommend Spot to any pet owner — especially owners of French Bulldogs or other brachycephalic breeds. The exclusions and denials make the policy effectively useless when you need it most.
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 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)
