5
out of 5
POSTED: | BY: Yelena Solovey
Fast response to the claim process
Fast response to the claim process
Read more on Trustpilot
4.6
out of 5
Number of reviews 9,917
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.
2
out of 5
VETERINARIAN: MCPAWS Veterinary Hospital
POSTED: | BY: Stephen Cobb
Brutal premium hike after one year!
We purchased pet Insurance with Spot last year shortly after adopting a cat. The rate was good $182 and claims were promptly paid. After one year in which we had claims that approximately matched our premium they have boosted our premium to $500!!! Not sure why this drastic increase in price came about and i couldn’t understand the woman who took my call at the call center due to her heavy accent. I’m extremely disappointed in Spot Insurance do to our > 150% rate increase…
1
out of 5
POSTED: | BY: zine Bentoudja
Horrible i sign up with this insurance…
Horrible i sign up with this insurance 6 months ago i paid they misleading me about claim
My dog had allergies and they give him medication it’s expensive i send the invoice won’t cover it just imagine $93.00 dollars they won’t pay what happen if surgery horrible customer service before you buy the policy you hear all good after they don’t know you don’t buy anything from this company
1
out of 5
POSTED: | BY: Lenny Sabia
Absolute scam paid the policy in full
Absolute scam paid the policy in full, Spot Pet did not pay any of our claims, all claims submitted multiple times by our local veterinary and complies with Spot Pet Policy. Filing in small claims court, absolutely a scam. Awful phone service, after many hours of calls and re submitting of all of the claims, the supervisor scheduled to call us on 11/28, no call no show. Stay far away from this company. SCAM !!!!!!!!!!!!!!!!!!
1
out of 5
POSTED: | BY: Furious
Claim nightmare
When submitting a first claim, Spot keeps insisting on requiring health records for our cat from 1/1/2024 to the present. This cat is a 14 month old rescue with no health history before 10/2025. We supplied all heath records we have from the rescue shelter and our new vet, but Spot refuses to process claim. We are now trying to cancel account with Spot and are running in to a new series of road blocks.
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 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)