Spot Pet Insurance Review

ByMichael GrawJan. 17, 2021

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In a Nutshell

Spot Pet Insurance offers flexible pet insurance policies for cats and dogs. You can opt for a standard plan that covers everything from accidents to illnesses, or choose accident-only or preventative care coverage. In addition, you get to choose your deductible, annual payout limit, and reimbursement model.


  • Flexible plan options
  • Discount for multiple pets
  • No upper age limit for enrollment


  • Only covers cats and dogs
  • Preventative care is an add-on

Spot Pet Insurance Spot Pet Insurance Visit Site

Spot Pet Insurance at a Glance

Pets covered Dogs, cats
Waiting period 14 days
Deductible $100 - $1,000
Reimbursement model 70%-90%
Suitable For Customizing your insurance plan

What's Covered?

Spot Pet Insurance covers any injuries, accidents, and illnesses, including emergency treatments and diagnostics like X-rays and MRIs. Your Spot insurance policy also pays for medications, prescription foods, and behavioral treatments conducted by a vet. Spot’s coverage also includes hereditary and chronic conditions, and will pay for alternative therapies like acupuncture if they are used to treat a covered condition.

Insurance Plans & Pricing

The cost of an insurance policy from Spot Pet Insurance depends on the age and breed of your pet, as well as the annual reimbursement limit, reimbursement model, and deductible you choose. The table below shows how much Spot insurance costs for different types of pets and policies.

Dog Insurance:

Example #1 Example #2
Pet Type Australian Shepherd Australian Shepherd
Monthly Price $14.64 $52.67
Age 3 3
Deductible $1,000 $100
Annual Limit $2,500 $5,000
Reimbursement Rate 70% 90%

Cat Insurance:

Example #1 Example #2
Pet Type Mixed Cat Mixed Cat
Monthly Price $17.01 $28.54
Age 2 2
Deductible $250 $100
Annual Limit $4,000 $7,000
Reimbursement Rate 80% 90%

If you have multiple pets, Spot Pet Insurance offers a 10% discount for every additional pet for which you buy coverage.

What's Not Covered

Spot Pet Insurance does not cover any pre-existing conditions, even if they are curable. In addition, the company doesn’t cover any routine care, such as teeth cleaning or annual physicals, unless you purchase a preventative care plan as an add-on. If you choose an accident-only plan, only medical expenses directly resulting from an accident (not an illness) are covered.

Waiting Periods

Any insurance policy from Spot Pet Insurance does not take effect until 14 days after you purchase. Spot’s 30-day guarantee means that you will receive reimbursements within a month of filing your claim.

Coverage Limits

Spot Pet Insurance offers annual payout limits from $2,500 per year all the way up to unlimited coverage.

Reimbursement and Deductibles

Spot Pet Insurance offers three reimbursement models: 70%, 80%, and 90%. You can also choose a deductible of $100, $250, $500, $750, or $1,000 per year for your insurance plan.

Claims and Service

Spot Pet Insurance doesn’t require approval before you visit a vet or emergency clinic. Instead, you can simply submit your claim for reimbursement afterwards by using the Spot mobile app or Spot’s online portal. Claims can be submitted up to 270 days after treatment.

To file a claim, all you need to submit is an image of your invoice. In some cases, Spot may follow up with you or the vet to obtain your pet’s full medical records or additional details on the treatment. Spot doesn’t provide an estimate for how long claims take to pay out, but you can check the status of your claim at any time through your online account.

If you need help filing a claim, you can get in touch with Spot’s customer support team by phone or email. Support is available from 8:00 AM to 8:00 PM ET, Monday to Friday.

What You Might Like

Spot Pet Insurance offers customizable insurance plans that cover accidents, illnesses, and injuries after a short 14-day waiting period. You don’t have to get approval before taking your pet into a clinic, emergencies included. Spot will reimburse you for any covered treatment from any licensed vet or clinic in the U.S.

What Spot Pet Insurance Could Do Better

Spot Pet Insurance doesn’t cover any pre-existing conditions, and preventative care treatment costs extra.

Contact Details and Address




303 Banyan Blvd Suite 101,

West Palm Beach, FL 33401

How Spot Pet Insurance Compares

Spot Pets Best
Waiting period 14 days 3-14 days
Reimbursement rate 70%-90% 70%-90%
Annual deductible $100-$1,000 $50-$1,000
Coverage limit $2,500-unlimited $5,000 or unlimited

Bottom Line

Spot Pet Insurance offers flexible pet insurance policies with customizable deductibles, coverage limits, and reimbursement rates. You can also choose to add preventative care to your plan or opt for an accident-only plan. Spot’s coverage might not work with all budgets,  but the fact that you can take your pet to any licensed vet or emergency clinic will be a plus for some pet owners.


This review was created using information from Spot’s website and quote tool. It also drew on information from the Pets Best and ASPCA insurance websites.

Spot Pet Insurance Spot Pet Insurance Visit Site

To compare more financial products and read more guides and reviews, visit BestMoney

Spot Pet Insurance Terms & Conditions

*Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply.

For all terms and conditions visit Preventive Care reimbursements are based on a schedule.

Spot On Coverage reimbursements are based on the invoice. Products, schedules, discounts, and rates may vary and are subject to change.

More information available at checkout. Insurance plans are underwritten by United States Fire Insurance Company. 

Insurance plans are marketed and produced by Spot Insurance Services, LLC. (NPN #19246385)

Spot Pet Insurance customer testimonials

ExcellentReviews 421
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  • author
    Susan DuMoulin
    2 days ago
    So happy to become part of the family

    So happy to become part of the family. Everyone is so professional and kind. Show a lot of love for our per


  • author
    Steven Flores
    3 days ago
    Super easy and affordable love it

    Super easy and affordable love it


  • author
    C good
    4 days ago
    Doesn't cover even 50% of my wellness…

    Doesn't cover even 50% of my wellness exam visits. Reimbursement has taken over 7 days. Pumpkin Pet Insurance is a better program for wellness and overall insurance product. I won't keep this policy/program after this year.


  • author
    Charie Poderoso
    Apr 12, 2021
    SPOT Family

    It's like being part of the SPOT family! I like that it is easy to file a claim and the reimbursement process is easy. The website is easy to use and very user friendly!


  • author
    Dyane Miller
    Apr 05, 2021

    Great service


Spot Pet Insurance