Spot Pet Insurance Review & Prices

Spot pet insurance review

Overall Rating 4.5 / 5

five star review
  • Competitive Pricing
    • For dogs – starting at $34
    • For cats – starting at $17
  • Customizable Plans
    • Deductibles: $100, $250, $500, $750, and $1,000
    • Reimbursement rates: 70%, 80%, and 90%
    • Annual coverage limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, and Unlimited
  • Extensive Coverage Options
    • Accident-only plan
    • Accident and illness plan
    • Gold and Platinum preventative care plans

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About Spot Pet Insurance🌟

Spot pet insurance emerges as a steadfast ally in safeguarding the health and well-being of your cherished pets. Renowned for its extensive coverage options and commitment to pet health, Spot stands out in pet insurance with its user-friendly policies and dedication to offering peace of mind to pet owners.

Key Highlights

Spot offers diverse insurance plans catering to dogs and cats, including accident and illness coverage and accident-only plans. Spot’s standout feature is its Preventive Care Plans, which are available in Gold and Platinum levels and empower pet parents to effectively manage their pets’ routine health care needs. These plans cover a range of preventive treatments, making Spot a proactive partner in maintaining your pet’s health.

Why Choose Spot?

Spot distinguishes itself with its customizable insurance options. Pet owners have the flexibility to tailor their policies by selecting from a variety of deductibles, annual limits, and reimbursement rates. This adaptability, coupled with no age restrictions for enrollment and unique coverage such as alternative therapies, positions Spot as an appealing option for those seeking a personalized and comprehensive approach to pet insurance. Moreover, Spot’s inclusive coverage for pets of all ages makes it a particularly attractive choice for owners of senior pets.

A Partner in Pet Wellness

Spot is more than just an insurance provider; it aims to be an integral part of your pet’s wellness journey. With an efficient claims process and dedicated customer support, Spot ensures that managing pet insurance is a smooth and straightforward experience. This focus on hassle-free service allows pet owners to concentrate on the most important aspect – the health and happiness of their beloved pets. Spot’s commitment to pet wellness is further exemplified through its coverage options, which include preventive care and alternative treatments, ensuring comprehensive support for every stage of your pet’s life.

Spot Pet Insurance Plans and Coverage🛡️

Explore Spot’s dynamic and versatile pet insurance plans, meticulously designed to cater to the diverse needs of your dogs and cats.

Accident and Illness Plans
Spot offers comprehensive Accident and Illness plans with a range of customization options, including deductible amounts, reimbursement rates, and annual coverage limits. These plans are designed to cover a variety of conditions such as diagnostic tests, chronic conditions, and even alternative treatments like acupuncture.

Accident-Only Plans
Spot’s accident-only plans provide a safety net for pets, covering injuries, swallowed objects, and toxic ingestions. Ideal for those seeking essential emergency coverage, this plan is a cost-effective solution for unexpected accidents.

Preventive Care Plans
Emphasize preventive health with Spot’s Gold and Platinum Preventive Care Plans. These optional add-ons cover routine care costs, including wellness exams, vaccinations, dental cleanings, and more. Tailor your preventive care coverage to your pet’s specific health requirements.

Plan Customizations and Coverage Limitations
Spot stands out with its highly customizable insurance options. Choose from various deductibles, annual limits, and reimbursement rates. Be aware of the standard 14-day waiting period for accidents and illness coverage. While preexisting conditions are not covered, Spot ensures comprehensive care for new conditions that arise after policy inception.

Spot Pet Insurance Cost 💵

Insurance costs vary depending on factors like your pet’s age, breed, and location, as well as the coverage options you choose. Here’s a breakdown of the average monthly premiums for dogs and cats at Spot:

Average Monthly Premiums:

Pet Type Coverage Type Average Monthly Premium
Dog Accident & Illness $54
Cat Accident & Illness $23

Additional Costs and Fees:

  • No Enrollment Fee: Spot does not charge an enrollment fee.
  • No Payment Processing Fee: Spot does not have monthly payment processing fees.

Customization Options:
Adjust the following variables to personalize your plan and impact the cost:

  • Annual Deductible: Options include $100, $250, $500, $750, and $1,000.
  • Reimbursement Rate: Choose from 70%, 80%, or 90% reimbursement.
  • Annual Coverage Limit: Select from $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, or unlimited coverage.

Factors Influencing Cost:

  1. Breed and Age: Certain breeds and older pets may have higher premiums.
  2. Location: Regional differences in veterinary costs can affect premiums.
  3. Coverage Level: Choosing higher coverage levels may increase premiums.

Discounts and Savings:
Spot offers discounts that can help reduce overall costs:

  • Multi-Pet Discount: Insuring multiple pets with Spot can lead to savings.
  • Association and Workplace Benefits Discounts: Discounts for members of certain associations and employees who enroll through workplace programs.

Frequently Asked Questions❓🙋

What is Spot pet іnsurance?

Spot  is a company that provides insurance plans to cover your pet’s health needs, including accidents, illnesses, and preventive care.

What plan types are available at Spot?

They offer a variety of plans to suit different needs and budgets. This includes Accident-Only Plans for basic emergency coverage, Accident and Illness Plans for more comprehensive care, and Preventive Care Plans, which come in Gold and Platinum levels, offering routine care coverage.

Are there age restrictions for enrollment?

One of Spot’s notable features is that there are no age restrictions for enrolling pets in their insurance plans. This inclusivity makes Spot a great choice for pet owners with older pets, ensuring that pets of all ages can receive coverage.

Can Spot insurance plans be customized?

Yes, Spot offers a high degree of customization in their plans. Pet owners can choose from various deductibles, annual limits, and reimbursement rates. This flexibility allows pet owners to tailor their pet’s coverage according to their financial situation and their pet’s specific health needs.

What's the waiting period for coverage to start?

Spot implements a standard waiting period of 14 days for accidents and illness coverage. This means that any accidents or illnesses that occur during this period will not be covered.

Are any discounts offered?

Spot offers a 10% multi-pet discount for those insuring more than one pet. Additionally, they provide discounts for employees who enroll in Spot policies through workplace benefits programs, and to members of some associations.

How do I file a claim with Spot pet insurance?

Filing a claim with Spot is a straightforward process. Policyholders can submit their claims online through the Spot website. In some cases, to expedite the process, Spot may directly contact the veterinarian to obtain necessary medical records.

Are alternative treatments covered?

Recognizing the growing popularity and efficacy of alternative treatments, Spot’s coverage extends to include alternative therapies such as acupuncture. This inclusion demonstrates Spot’s commitment to providing comprehensive care options that cater to the diverse needs and preferences of modern pet owners.

How can I get a quote from Spot?

Obtaining a quote from Spot is a simple process. Interested pet owners can visit Spot’s website and fill out a form with their pet’s details. This includes information such as the pet’s age, breed, and health history. Based on this information, Spot will provide a customized quote, helping owners understand the potential costs of the insurance plan.

Can I choose any veterinarian I like with Spot?

You can use the insurance with any licensed veterinarian across the United States.

Spot Pet Insurance Reviews ⭐

Discover why pet owners & trusted companies recommend Embrace. Read testimonials to explore their experiences with this trusted pet insurance. From Forbes, USA Today, Nerdwallet, and so on.


Spot gives you lots of ways to adjust your benefits levels so that you can fit pet insurance into your budget. Note that this is the same plan offered by ASPCA but with different choices for annual limits and deductibles.

five star review

USA Today

Spot sells accident and illness pet insurance, accident-only insurance, and wellness plans. It allows you to customize your policy to suit your budget and has no upper age limit for coverage.

USA Today
four star review


Spot earned 4.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, coverage options and financial strength ratings.

star reviews 4.5


Spot scored a 4.45 out of 5 in our analysis thanks to its flexible range of policies, affordability and customer service. It’s our top pick for customizable coverage, offering six annual coverage limit options and five deductibles.

star reviews 4.5

Pawlicy Advisor

Spot Pet Insurance is a relative newcomer in the industry. The company, endorsed by Cesar Millan – the Dog Whisperer, launched it’s pet insurance policies and wellness plans in 2019. Spot’s insurance policies are underwritten by the Crum & Forster Group.

Pawlicy Advisor
four star review


Florida-based Spot Pet Insurance is tied with Embrace for the No. 2 spot in our 2023 rating of the best pet insurance companies. Spot touts a digital-first approach and is available in all 50 states as well as the District of Columbia.

US News
four star review


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