Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 11,668

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: Felipe Damazo Zanferrari

Spot was a totally frustation to us

Spot was a totally frustation to us. Everything looked pretty when we signed up but as soon as we needed them after my first dog Tim went to surgery, everything fell apart. Tim had a non pre-condition proved by our vet through a letter and all the documents they requested. Till the day I am writing this, I am still waiting for an answer (after maybe 4 times trying to get a justification why they are not covering his surgey?) Just to give you an idea how much frustation and unsecurity they brought us, we have a pending case which they have stalled us since November 2024 and when I am writing this is April 2025. Every time we called them to ask for a follow-up, the new person talking to us said the process was never claimed before, or they ask for more documentation to evaluate the claim, or they just dont reply. Don´t recommend it at all, just why I am here in this website looking for another pet insurance.
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5

out of 5

POSTED: | BY: Julie

I have always had quick

I have always had quick, friendly helpful assistance whenever I've called the member center help line. My claims have been processed in a very efficient time frame which I appreciate. I have no complaints!
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5

out of 5

POSTED: | BY: J Lenart

After several different pet insurance…

After several different pet insurance companies over the years, Spot is by far the best experience we’ve had. Ease of filing claims, prompt resolution and coverage are all great.
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4

out of 5

POSTED: | BY: Teuta Kacaniku

Quick response and ease of submitting…

Quick response and ease of submitting the claim.
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5

out of 5

POSTED: | BY: Mehdi Teymouri

My angel boy developed giant cell…

My angel boy developed giant cell lymphoma around 1 years old, and unfortunately lost his battle shortly after he was diagnosed. Money was tight around the time he was getting his work up, and Spot was amazing to process my claim very quickly and send my reimbursement to my account a short few days later. It made all the difference for the end of his life care. Will never switch to another insurance provider.
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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)
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