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: Rafael Mendez

Tory is the best

I was looking for pet insurance today and I came across Spot and from the moment I got on the phone with Tory I was so pleased. She was extremely attentive, personal , and made my decision super easy. I’m so happy my boy Kobe has insurance now and he is prepared for anything that come his way. Thank you guys

out of 10


Con artists take your premium and denies all claims

worst company ever, Cesar Milan should be ashamed being associated with this company. Our pup suffered a stroke, and every bill was denied stating pre existing condition. How is a stroke a pre existing condition. A stroke happens suddenly, glad this insurance company has the expertise to show a sudden stroke is pre existing. They need to share this with the rest of the medical field, so we can treat it before someone else suffers one.

out of 10

POSTED: | BY: Mila Gergova

Great experience! Timely and quick

Great experience- timely and quick reimbursement and easy to use the app!

out of 10

POSTED: | BY: Georgia Green

Service, quality and price. What more can you ask for?

After researching several pet insurance companies I chose spot because of the flexibility in choosing the deductible and coverages, as well as the great reviews. The policy document is easy to read and very clear as to what is and isn’t covered. I’ve already made claims under the policy and am impressed as to the communication and turn around time for approval and payment. Everything is done right in the app. They explain what is approved and what isn’t (and why). Apply the deductible, and issue a reimbursement within a couple of days. Customer service is responsive and treat you like a real person. And I even appreciate their informational emails about dog training and other helpful tips. Really happy I chose them. Highly recommend.

out of 10

POSTED: | BY: Sam Denunzio

Sam Denunzio

What your receive for the coverage and...

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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