Cesar Millan and Spot Pet Insurance have teamed up to educate pet owners on the real benefits of pet insurance. This is especially important at a time when vet care is becoming more expensive each year. Spot and Cesar’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.

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 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.

Average customer rating

9.6 Out of 10
60 Days 1 Year Lifetime
Rating 5.0 6.5 9.6
Count 2 13 105
8
Out of 10
Recommended

6/11/21 This will be an ongoing review as I am in the process of filing a claim.

Posted: 06/11/2021
By:
Jennifer
Young

6/11/21 This rating is currently based on my limited experience with SPOT. I have not yet filed a claim. I am basing this review off off the registration and payment process as well as excellent customer service (which includes real people answering the phones). I am getting ready to go through the claims process and will change this review accordingly if necessary. I pledge to be fair with my expectations and expect that I will be treated fairly according to the terms of the contract (which I read forward and backward before enrolling) but can be very open ended when it comes to diagnosing pets with pre-existing conditions or preventative testing v/s necessary testing as you can see by previous reviews. I truly hope all goes well and I'm able to leave this 5 start rating where it is. I'll update soon.

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
Over 8 years
10
Out of 10

Terrible

Posted: 03/05/2021
By:
Pam
Robvel

Please stay away of this insurance if you love your pets and your pocket
They will never give you the deductible is very hard to deal with them

Injury/illness
Claim Amount
Breed

Mixed Breed Toy (up to 10 Lbs)

Age of Pet
1 - 8
7
Out of 10
Recommended

Finally

Posted: 03/03/2021
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?

Injury/illness
Claim Amount
Breed

Mixed Breed Toy (up to 10 Lbs)

Age of Pet
1 - 8
1
Out of 10

Worthless

Posted: 12/18/2020
By:
Max
Putnam-Petrone

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

Injury/illness
Claim Amount
Breed

Mixed breed Giant (90 Lbs +)

Age of Pet
1 - 8
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 the only pet insurance recommended by Cesar Millan. It's 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.

Insurance plans are underwritten by United States Fire Insurance Company. Insurance plans are marketed and produced by Spot Insurance Services, LLC. (NPN # 19246385)