Spot Pet Insurance for Dog & Cat

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.