Spot | Pet Insurance Review


out of 10

134 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 10.0
  • 9.7
  • 9.7
  • Count
  • 4
  • 33
  • 134
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 10

POSTED: | BY: Michele U Long


I'm not sure jow I am abke to give my rating when I haven't had any progress of help yet with my pet only a questioner. Iam grateful to have come across such a eye opener and have been praying for some sort of help with my pup. I can't afford a vet and she had a massive lump growing.on her side. I don't know what to do she is my everything. I would give my life for hers in a snap of a finger. That's my review,what's yours?

out of 10

POSTED: | BY: Max Putnam-Petrone


Terrible policy. To much red tape. Healthy Paws much better.

out of 10

POSTED: | BY: Deanna Chambers

Poor Customer Service

Trying to get reimbursed for a claim. They sent 6 emails saying only they need additional information. They contacted my vet multiple times, even though I told them they do not communicate with insurance companies. It took me a month to discover they needed a glucose read. Why they couldn't say that in one of the many emails, we could have resolved this long ago. They put the policyholder through the ringer. I would not recommend.

out of 10

POSTED: | BY: Jason Richards

Claim processing time is not as advertized

We decided to go with Spot based on the reviews we read and the advertised quick claim processing that stated 48-72 hrs. We adopted a new aussie puppy and we went with both the pet insurance and the wellness plan. I submitted all the paperwork we received from the breeders vet and then took the puppy to the vet after signing up. It was a first vet visit for us so the usual (exam, shots etc). The total cost was $213. I submitted all the paperwork to SPOT and got an instant message saying that due to high volume of claims at this time yadda yadda it could take longer than expected etc. Ok that's fine but keep in mind this is not what they advertised and is not what I would think anyone would consider quick claims. It has now been 8 working days and there has been no status change on my account. Just says processing... Banfield may not have been perfect but at least the discounts for wellness was immediate, taken off the cost at the time you paid not reimbursed like this. I will update my review if and when it pays but so far the experience hasn't met the standards I was expecting based on the reviews.

out of 10

POSTED: | BY: Guillermo

I wish I could say SPOT will have your back, but I can’t…

I wish I could say SPOT will have your back, but I can’t… We purchased the policy when my puppy was 3 months old. He got into trouble and swallowed rocks twice: once before and once during the insurance waiting period. The first time, he went to the ER for an endoscopy to remove them from his stomach. The second time the Dr made him puke it out. He had diarrhea for a couple weeks after due to all these procedures, but it went away after some time. It was all paid out of pocket ($4K) because the policy wasn’t active at this time. Too bad timing didn’t work out but that was the rules we agreed to, no hard feelings there. After the waiting period was over, our dog started causing destruction around the house when left alone. He bit entire corners off the walls and literally ate two holes through the wall when left alone inside a gated kitchen for less than 1 hr. We consulted with the vet and they wrote a letter diagnosing separation anxiety and recommending behavioral treatment, which SPOT claims is covered. We submitted the letter from the Dr and letter from an animal behaviorist outlining a treatment plan to SPOT for approval. They denied coverage claiming that eating rocks when he’s with us is a sign of separation anxiety and is therefore a pre-existing condition. I argued it is unreasonable to claim that a behavior observed when accompanied is a symptom of separation anxiety, but they disagreed. They also disagreed with the Dr’s letter that, literally and word by word, states the diagnosis for separation anxiety is unrelated to eating rocks. SPOT formulated their own diagnosis for my dog that justifies rejection of coverage and denied the claim. At some point the diarrhea came back and lasted for weeks. The vet put him on medication for a month but wasn’t getting better so they recommended doing a full blood panel to diagnose any physical issues. SPOT rejected coverage for the vet’s medication, the blood panel and diagnostic tests claiming that because he had diarrhea before, it is a pre-existing condition and no treatment would be covered. I’m not one to leave bitter reviews around the internet but I at least felt I had to share my experience and warn others.

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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