Spot
4.7

out of 5

Spot Pet Insurance for Dog & Cat

Updated: November 13, 2023

Spot Pet Insurance is a great option for pet parents looking for an affordable pet insurance policy with excellent customer service. They offer a variety of features that make them stand out, such as affordable premiums, quick claims processing, and no waiting periods for accidents.

Spot Pet Insurance Details

    • Why Our Users Picked It:

      Many users have praised Spot for their quick and hassle-free claim process. They also mention how quickly they are reimbursed in most cases and that customer service is both kind and helpful.

      Pros & Cons:

      • Simple and fast claim process
      • Awesome customer service
      • Fast payments
      • Transparent quote process
      • Optional wellness plan available
      • Limited coverage (compared to others)
      • 14-Day waiting period for accident coverage (some providers only require 1-2 days)

      Plan Limits

      • Per Condition Limit Unlimited
      • Lifetime Limit Unlimited
      • Deductible Type Annual
      • Direct Pay

      What is Covered?

      • Accident and Injury Covered up to the selected annual limit ($2,500-Unlimited)
      • Hospitalization Covered up to the selected annual limit ($2,500-Unlimited)
      • Rehabilitation Covered up to the selected annual limit ($2,500-Unlimited)
      • Continual Care Covered up to the selected annual limit ($2,500-Unlimited)
      • Emergency Visits Covered up to the selected annual limit ($2,500-Unlimited)
      • Surgery Covered up to the selected annual limit ($2,500-Unlimited)
      • Dental Trauma Covered up to the selected annual limit ($2,500-Unlimited)
      • Foreign Object Ingestion Covered up to the selected annual limit ($2,500-Unlimited)
      • Congenital or Hereditary Conditions Covered up to the selected annual limit ($2,500-Unlimited)
      • Cancer Treatments Covered up to the selected annual limit ($2,500-Unlimited)
      • Dietary Supplements Covered up to the selected annual limit ($2,500-Unlimited)
      • End of Life: Burial and Cremation Covered up to the selected annual limit ($2,500-Unlimited)
      • Illness Covered up to the selected annual limit ($2,500-Unlimited)
      • Specialists Covered up to the selected annual limit ($2,500-Unlimited)
      • Prosthetics Covered up to the selected annual limit ($2,500-Unlimited)
      • End of Life: Euthanasia Covered up to the selected annual limit ($2,500-Unlimited)
      • Prescription Drugs Covered up to the selected annual limit ($2,500-Unlimited)
      • Outpatient Care Covered up to the selected annual limit ($2,500-Unlimited)
      • Bilateral Conditions Covered up to the selected annual limit ($2,500-Unlimited)
      • Travel Coverage If a pet is traveling within the U.S., it's territories of Canada it is covered. We do not pay for traveling expenses (i.e. if the veterinarian has to come to the pet owner's home).
      • Vet Exam Fees Covered up to the selected annual limit ($2,500-Unlimited)
      • Medical Imaging Covered up to the selected annual limit ($2,500-Unlimited)
      • Organ Transplants Covered up to the selected annual limit ($2,500-Unlimited)
      • Wellness Cover Covered up to the selected annual limit ($2,500-Unlimited) - * If the additional "Preventive Care" is purchased.
      • Lab Tests Covered up to the selected annual limit ($2,500-Unlimited)
      • Behavioral Treatments Covered up to the selected annual limit ($2,500-Unlimited)

      Plan Summary

      Spot Pet Insurance is the only pet insurance recommended by Cesar Millan. They are committed to educating pet parents about the benefits pet insurance has to offer, making more affordable animal care across the U.S. for pet parents. Their Accident & Illness plan covers accidents, injuries, illnesses, chronic conditions like cancer and more, and features simplified reimbursement based on percentage of submitted claims. Preventive Care is available at an additional cost. There is no network; bring your pet to any licensed vet in the US, emergency or specialty clinic for the attention they deserve.

    Most popular dog breeds insured by Spot Pet Insurance

    Here are the top 10 dog breeds covered by Spot insurance so you can get an idea of possible monthly premium costs.

    Breed Average Monthly Cost
    Other Mixed Breed $30.20
    Shih Tzu $15.80
    French Bulldog $35.64
    Golden Retriever $25.32
    English Bulldog $48.72
    Labrador Retriever $23.90
    Goldendoodle $24.81
    Belgian Malinois $26.51
    Australian Cattle Dog $31.56
    Newfoundland $72.29
    Data source date 60 days, cost based on user selected average

    Most popular cat breeds insured by Spot Pet Insurance

    Here are the top 10 cat breeds covered by Spot insurance so you can get an idea of possible monthly premium costs.

    Breed Average Monthly Cost
    Domestic Shorthair Mix $16.95
    Domestic Short Hair $21.35
    Other Mixed Breed $30.22
    Domestic Longhair Mix $13.52
    American Shorthair Mix $15.72
    Maine Coon Mix $15.00
    Domestic Medium Hair Mix $13.23
    Unspecified Mix $16.38
    Bombay $20.16
    Siamese Mix $10.85
    Data source date 60 days, cost based on user selected average
    Get a Quote & Compare

    Compare With Other Top Pet Insurance Providers 2024

    • Users appreciate the efficiency of claims processing and prompt reimbursement. They also love the great customer service Embrace offers.
    • Many users have said how much they appreciate the simplicity and user-friendly nature of the Healthy Paws app and website for submitting claims. Users also praise the quick turnaround time for claim review and reimbursement, with some receiving payments within 48 hours.
    • Users appreciate that Fetch offers up to 90% reimbursement rates. Some have also expressed the ease of submitting claims, with some saying they submitted claims in the vet’s office from their phone within minutes.
    • Quite a few users have mentioned that Lemonade offers some of the most affordable policies in the market. Many also appreciate that coverage is extensive and covers a wide range of medical conditions and procedures.
    • Many of our users stated they found Trupanion’s customer service to be exceptional. Responses are prompt and helpful. In addition, many find the claims process to be simple, efficient and user-friendly.
    • Users appreciate the effortless claim process and timely refunds in as little as 24-48 hours. Comprehensive coverage with up to 90% of bills covered has also been highlighted by many.
    • Users appreciate that ASPCA offers comprehensive coverage that includes emergency services as well as preventative care. Many have also highlighted ASPCA’s helpful and responsive customer service representatives.
    • Our users raved about MetLife’s exceptional customer service and the fact the company offers comprehensive coverage that supports both preventative and emergency care. And users also appreciate MetLife’s competitive pricing.
    • Our users appreciate that Hartville offers flexible coverage options as far as policy limits, deductibles and reimbursement rates. This puts them in the driver’s seat and allows them to choose a policy they can comfortably afford.
    • Users have raved about the awesome customer service this provider offers. Some have also highlighted quick turnaround time for payments once a claim has been submitted.
    • Users rave about how easy it is to submit a claim and receive updates on it. Many have also said how much they appreciate how fast reimbursements are. The company has also been highly praised for its transparent coverage policies and clear communication.
    • Some reviewers have praised AKC for offering an easy claims submission process. Others have said how much they appreciate the great customer service and that payments are generally made within days of making a claim.
    • Reviewers appreciate that Figo offers Wellness coverage for preventative care. Many also mentioned the claims process was hassle-free.
    • Reviewers highlighted how wonderful customer service is. Not just responsive and knowledgeable but also really compassionate during times of stress and worry. One person even mentioned how the company sent flowers after her pet had to be euthanized.
    • Users love the great customer service offered by Many Pets and the fact that they offer competitive pricing. Many Pets will also reduce the accident and illness waiting period to 24 hours if you are switching from another insurance provider.

    Select up to 3 providers to compare

    Spot Pet Insurance FAQ?

    • Does Spot pet insurance offer coverage for preventative care?

      Yes, Spot offers preventative care coverage as an add-on to their regular Accident & Illness policy.

    • Does Spot have an age limit for eligibility?

      Young puppies must be at least 8 weeks old but there is no upper age limit to enroll your pet.

    • Does Spot pet insurance offer any discounts?

      Yes, Spot offers a multi-pet discount giving pet parents a 10% discount off each additional pet.

    • What kind of waiting period does Spot have?

      Spot has a 14-day waiting period for coverage.

    • Does Spot have any type of incident or lifetime caps?

      No, there are no types of per-incident limits or lifetime caps with Spot insurance.

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