Spot | Pet Insurance Review


out of 5

Number of reviews 4,918

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
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  • 3.4
  • 4.7
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  • 12
  • 4,918

Updated: November 13, 2023

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: Robert Palmarez

Easy Access, Great Explanation of Options

Access to the site and explanation of the options are very clear and easy to understand.

out of 5

POSTED: | BY: Lynn Spivack

Stray cat

I adopted a brand new stray into my home just about a week ago. While waiting at the pet hospital, during our a late night visit, I decided search pet insurance. Spot certainly appears to have everything I could ever need for my new pet! Enrollment was easy, with clear instructions and only took a few minutes. Once I saw how reasonably priced it was, I even decided to go ahead and pay for the whole year upfront. I’m hoping I don’t need to use it very often, but I feel very comfortable in the knowledge that both Nomi and I are protected.

out of 5

POSTED: | BY: Sean

Easy and Convenient

Easy to sign up. Like that I could combine insurance and care together. Hope I never have to use the plan but I really like the customization I could build myself and do it all online at my own pace.

out of 5

POSTED: | BY: Susan Hibbard

I have just purchased SPOT pet…

I have just purchased SPOT pet insurance for 2 of my dogs. The process of filling out forms, learning about what is offered and the whole sign up process was extremely easy. So far so good.

out of 5

POSTED: | BY: Mark Guidetti

Great advisor and the Vet we chose…

Great advisor and the Vet we chose finds no complaints with their owners

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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