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Spot Pet Insurance Review

Reviews 4,570
Spot Pet Insurance
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Spot Pet Insurance
Spot Pet Insurance
Reviews 4,570
Michael Graw
Aug. 22, 2023
3 min read
Michael Graw
Spot Pet Insurance Summary
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 at a glance

Editorial score

Online experience

Excellent site with mobile optimization, learning resources, and live chat

Customizable rates and services

Customizable plans and rates, upper age limit

Claims payout waiting period


Customer support

24/7 communication and a pet hotline available


Multi-pet and multi-policy bundles available

Spot Pet Insurance Spot Pet Insurance Visit Site

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 #1Example #2
Pet TypeAustralian ShepherdAustralian Shepherd
Monthly Price$14.64$52.67
Annual Limit$2,500$5,000
Reimbursement Rate70%90%

Cat Insurance:

Example #1Example #2
Pet TypeMixed CatMixed Cat
Monthly Price$17.01$28.54
Annual Limit$4,000$7,000
Reimbursement Rate80%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


Email: service@customer.spotpetins.com


303 Banyan Blvd Suite 101,

West Palm Beach, FL 33401

How Spot Pet Insurance Compares

SpotPets Best
Waiting period14 days3-14 days
Reimbursement rate70%-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 view your policy documents or visit spotpetins.com/sample-policy. Preventive Care reimbursements are based on a schedule. Accident & Illness coverage reimbursements are based on the invoice. Products, schedules, discounts, and rates may vary and are subject to change.

Insurance products are underwritten by either Independence American Insurance Company (NAIC #26581. A Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254), or United States Fire Insurance Company (NAIC #21113. Morristown, NJ). Please refer to your policy forms to determine the underwriter for your policy. Insurance is produced by Spot Pet Insurance Services, LLC. (NPN # 19246385. 990 Biscayne Blvd Suite 603, Miami, FL 33132). CA License #6000188. (California residents only: PTZ Insurance Agency Ltd., d.b.a PIA Insurance Agency Ltd. CA license #0E36937).

Michael Graw
Written by
Michael Graw
Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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Trustpilot reviews
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Excellent • Reviews 4,570
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Nancy Martinez
6 hours ago
Its so east to file a claim with SPOT
Its so east to file a claim with SPOT! I had my refund bakc in just a few days!1 Thank you, SPOT!
Arlene Legum
9 hours ago
Dealing with my sick puppy
Dealing with my sick puppy, I felt so much better when I knew I had help from,Spot insurance, with the bills from his care. I felt more at ease to be able to focus on my puppy’s Health, other than the expense.
Carlotta Murray
9 hours ago
Excellent communication.
The staff is always helpful on the phone with any questions I have, and they do not keep you on hold or cut you off. The EOBs are emailed in a timely manner with full explanations of benefits. Checks arrive in the mail within a week or two.
Connie Rock
12 hours ago
Great experience, happy we signed up
Our cat was seriously ill and required multiple vet visits, consultations with specialists, and expensive diagnostic tests to stabilize her condition (she's doing so much better now). After so much stress, we appreciated how easy it was to submit a claim with Spot, and we received a fair and prompt refund within a few days. We're happy we signed up for Spot and highly recommend.
Jennifer Smith
11 hours ago
Best decision I could have made!
I am so thankful I chose Spot Pet Insurance! My cat swallowed a bunch of hair ties and needed emergency surgery to save her life. Surgery happened Thursday, claim was filed Saturday, and I received my reimbursement the following Wednesday. The process could not have been simpler and best of all, I was able to save our family pet without worrying about the cost!