Spot | Pet Insurance Review


out of 5

Pet Insurance Reviews: 147
Trustpilot Reviews: 1,098

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.0
  • 4.5
  • 4.8
  • Count
  • 4
  • 24
  • 147
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: Kelly Calzadilla Calzadilla

Very nice 👌

Very nice 👌, easy to join and the customer service line is really helpful

out of 5

POSTED: | BY: Anthony C

New policy for a puppy…

I just started the policy for a puppy that was obtained from a breeder. Have not had a claim to really ascertain how that would be handled. Hope to not have a claim of course. My rating is neutral at this point. The waiting period which is 14 days I fully understand. However, I am still being billed for the entire month despite technically not having insurance for half of the month. Minor irk but worthy of mention.

out of 5

POSTED: | BY: Perry

My only interaction so far has been…

My only interaction so far has been talking with two representatives on the phone, both of whom have been very pleasant. Nice and helpful. I have not filed any claims yet, so it is too early to review any further.

out of 5

POSTED: | BY: Kenzie Taylor

Love this company! Thank you Spot for making it so easy to protect my pup & save money all at once!!

I was hesitant about the idea of pet insurance, but thinking back on how much I've spent over the years on vet bills, it seemed like a no-brainer. I went to Spot's website and got a quote for free before even registering. It was so nice to see my coverage options before putting down a credit card. I feel so at ease knowing that I'm saving money and giving my dog the best care all at once. This company is very easy to work with, as well as has an online presence and many customers, which is something I look for in companies I am giving my money. Thank you Spot for making it so easy to cover my best friend! I will continue to recommend this pet insurance to all my friends who are also pet parents!!

out of 5

POSTED: | BY: Customer considering refund


Didnt give any time frame of what the wait period was before coverage begins until you pay for coverage, cant add or change plan until the premium term renews which was never said, again until after you have already paid.

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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