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Spot Pet Insurance Summary
Spot Pet Insurance offers flexible pet insurance policies for cats and dogs. You can opt for a standard plan that helps cover accidents and illnesses, as well as preventative care coverage as an add on. In addition, you get to select your deductible, annual payout limit, and reimbursement model.
Spot Pet Insurance Pros & Cons
Pros
Flexible plan options
Discount for multiple pets
No upper age limit for enrollment
Cons
Only covers cats and dogs
Preventative care is an add-on
Spot Pet Insurance at a glance
9.6
Editorial scoreOnline experience
Excellent site with mobile optimization, learning resources, and live chat
10.0
Customizable rates and services
Customizable plans and rates, upper age limit
8.0
Claims payout waiting period
Days
10.0
Customer support
24/7 communication and a pet hotline available
10.0
Bundles
Multi-pet and multi-policy bundles available
10.0
Here’s a quick breakdown of what you can expect from Spot pet Insurance:
| Coverage options | Accident-only, accident and illness, wellness |
| Annual limits | $2,500 to unlimited |
| Deductibles | $100 to $1,000 |
| Reimbursement levels | 70%, 80%, 90% |
| Pets covered | Dogs and cats |
| Discount opportunities | Multi-pet, AAA, employee benefits |
| Availability | 50 states, Washington D.C., and Canada |
About Spot Pet Insurance
Headquartered in Miami and founded in 2019 by Trey Ferro, Spot is a newer pet insurance company. Spot’s mission is to “help pet families get their pets the care they need to live longer, happier lives together.”
The digital insurer strives to offer highly customizable pet insurance plans to accommodate just about every pet parent and budget. Policyholders can enjoy coverage at any licensed vet in the U.S. or Canada plus access to a number of discounts and a 24/7 vet helpline. The company also differentiates itself with no per-incident or lifetime caps.
Spot is a solid choice. They accept dogs of any age, which is great because many other pet insurers have a maximum age for coverage. Also, Spot plans help cover several alternative treatments, such as acupuncture and chiropractic care.
Melanie Mussonpet insurance expertat Clearsurance
Spot Pet Insurance Availability
Spot serves pet parents in all 50 states, Washington D.C., and Canada. Its website features useful state-specific pages with premium estimates, local adoption centers and veterinarians, popular dog parks, frequently asked questions, and more.
Who is Spot Pet Insurance For?
Spot is a solid choice for dog and cat owners looking for:
- Customizable policies: No matter your budget or pet needs, Spot has you covered. You can select from a robust accident-and-illness plan or a basic accident-only plan with your choice of five deductibles, seven annual limits, and three reimbursement rates.
Two wellness plan add-ons are also available. I had no issues customizing the plan to meet my dog’s exact needs. - Senior pet insurance: If you have an older pet, Spot might be a solid choice for pet insurance coverage. Unlike other pet insurance companies, it does not impose an upper age limit.
- Coverage for more than one pet: Spot can be a good fit if you want to insure multiple pets. Its policies offer a 10% multi-pet discount on the second pet and every pet you enroll after that.
What's Covered?
Pet insurance coverage depends on the plan you choose. In general, however, I found Spot’s offerings are competitive compared to other insurers that only treat its standard coverages, such as alternative therapies, prescription medications, and dental illnesses as add-ons.
It’s up to you to decide whether you’ll actually use these coverages. Chiropractic care and acupuncture is only covered and recommended as an alternative treatment to treat your pets unexpected accidents/illnesses.
So although it may not be beneficial to your dog now, they may need it later down the line based on any accidents/illnesses they may encounter. Its accident and illness policy is more comprehensive than what you might find elsewhere.
Here’s a breakdown of what you can expect from each plan from Spot:
Accident & Illness
Illnesses (allergies, arthritis, digestive issues, UTIs)
Chronic conditions (cancer, kidney disease, seizures)
Hereditary conditions (disc disease, hip dysplasia)
Injuries (broken bones, bite wounds, swallowed objects, toxic ingestion)
Tooth trauma and dental illnesses
Diagnostic care (X-rays, lab tests, vet exam fees)
Surgery and hospitalization
Advanced and specialist care
Alternative therapies (acupuncture, chiropractic care)
Accident Only
Bite wounds and cuts
Broken bones
Lodged foreign objects
Toxic ingestions
Vet exam fees
MRIs or CT scans and X-rays
Surgery and hospitalizations
IV fluids and medications
Medical supplies
Poison control consultation fees
Prescription medications
Tooth extractions
Alternative therapies
Wellness Coverage: Gold
Dental cleaning
Deworming
Wellness exam
Heartworm test
Fecal test
DHLPP vaccine/titer
Rabies and/or lyme vaccine/titer
Wellness Coverage: Platinum
Dental cleaning or spay/neuter
Deworming
Wellness exam
Heartworm test
Fecal test
Urinalysis
Blood test
Health certificate
Flea/heartworm prevention
DHLPP vaccine/titer
Rabies and/or lyme vaccine/titer
Bordetella vaccine/titer
What Doesn't Spot Pet Insurance Cover?
Spot Pet Insurance offers broad coverage but doesn’t cover the following:
Pre-existing conditions unless your pet has been cured and free of symptoms for at least 180 days
Cosmetic procedures like tail docking, ear cropping, and claw removal
Breeding or pregnancy costs
Preventive care unless you add on Wellness Coverage for an extra cost
Spot Pet Insurance Plans & Pricing
The table below shows how much Spot insurance could cost for different types of pets and policies.
I was pretty surprised to learn how much more expensive accident and illness coverage was for senior cats and dogs.
| Pet Type | Accident-Only Plan | Accident and Illness Plan |
| Dog (2 years old)* | $21.07 | $42.18 |
| Dog (11 years old)* | $21.07 | $163.90 |
| Cat (2 years old)** | $17.30 | $18.57 |
| Cat (11 years old)** | $17.30 | $60.93 |
*This is the 2026 monthly rate for a male, Medium Mix dog in the Cleveland, OH area with $10,000 annual limits, an 80% reimbursement rate, and $500 deductible.
**This is the 2026 monthly rate for a female, Domestic Shorthair cat in the Cleveland, OH area with $10,000 annual limits, an 80% reimbursement rate, and $500 deductible.
Below, you’ll find the 2026 monthly rates for Spot’s Preventative Care plans. Note that rates are the same for all pets.
| Preventative Care-Gold | $9.95 |
| Preventative Care-Platinum | $24.95* |
* Note that rates vary based on specific location
The cost of an insurance policy from Spot Pet Insurance ultimately depends on the following factors:
Location: You can expect to pay more if you’re a pet parent in an urban area than someone in a rural town.
Pet breed: Since some breeds are more susceptible to illness and injury than others, the breed of your dog or cat will affect your rate.
Age: Senior pets are more expensive to insure so it’s a good idea to lock in coverage early on, ideally when your pet is a puppy or kitten.
Coverage details: The plan(s) you choose as well as your deductible, annual limits, and reimbursement level will all play a role in your premium.
Discounts: Spot offers a 10% discount for insuring more than one pet plus an additional 10% discount for being an AAA member or working at a company that offers a group benefit.
How to Get a Spot Pet Insurance Quote
To get a pet insurance quote from Spot, visit the Spot website and provide some basic information about yourself and your pet. Be prepared to share:
Your zip code and email address
Your first and last name
Whether your pet is a dog or cat
Your pet’s name, age, and breed
Once you submit your details, Spot will share quotes for different types of pet insurance plans. You can play around with the plan options, reimbursement levels, deductibles, and annual limits to see how different factors affect your premium.
If you decide to move forward with a Spot policy, you may enter your payment info and finalize your coverage online. In the event you don’t, expect a few emails or texts from Spot prompting you to do so.
I was pleasantly surprised at how quick and easy the entire process was. It only took a couple of minutes on my iPhone and as an added, unexpected bonus, Spot offered me a $25 Visa gift card for buying a policy.
Waiting Periods
Spot Pet Insurance has a 14-day waiting period. This means that during the first 14 days of your coverage, Spot will not reimburse you for your vet bills.
Once the 14-day waiting period is up, your policy will officially take effect and you may be reimbursed for eligible claims, according to your plan terms.
Coverage Limits
Spot Pet Insurance offers seven annual payout limits, including:
$2,500: This would be a good option if you’re looking for coverage for common illnesses and illnesses.
$3,000: If you believe your pet has moderate health needs, $3,000 will likely be enough.
$4,000: For a solid middle ground that can cover more serious accidents but not necessarily surgery or major care, $4,000 makes sense.
$5,000: This is ideal if you’d like coverage for more serious incidents and advanced care in the form of surgery, hospitalization, etc.
$7,000: If your pet has complex health needs or is living with a chronic or hereditary condition, $7,000 could be a smart move.
$10,000: This might be a smart move if your dog or cat has a chronic illness or frequently gets into accidents but you don’t want to invest in unlimited coverage.
Unlimited: For no caps on your annual coverage and the most peace of mind, unlimited annual limits might be worth the higher price tag, especially if you don’t have the funds to cover high vet bills out-of-pocket.
The annual payout limit you choose will be the maximum amount Spot will pay for covered vet bills each year.
Reimbursement and Deductibles
Spot Pet Insurance offers three reimbursement models, including:
70%
80%
90%
In addition, you can choose from five deductibles, including:
$100
$250
$500
$750
$1,000
Reimbursement level refers to the percentage of your vet bill Spot will cover after you meet your deductible.
Your deductible is the amount of money you’ll owe out-of-pocket after a covered claim before Spot steps in and takes care of the rest.
How Spot Pet Insurance Works: Claims and Service
Spot Pet Insurance offers a straightforward reimbursement process, allowing you to focus on your pet’s care rather than paperwork. Unlike some providers, Spot does not require pre-approval before you visit a licensed vet or emergency clinic.
Here is the step-by-step process for managing your expenses:
Visit Any Vet: Take your pet to any licensed veterinarian or emergency clinic for treatment.
Pay Upfront: Pay your vet bill at the time of service.
Submit Your Claim: Use the Spot mobile app or online member portal to upload an image of your invoice. You have up to 270 days after treatment to file.
Await Review: Spot may occasionally contact you or your vet for medical records or extra details. While payout speeds vary, you can track your claim status 24/7 through your online account.
Get Reimbursed: Receive payment for covered expenses based on your specific plan’s parameters.
What You Might Like About Spot Pet Insurance
Customizable policies: Spot Pet Insurance offers highly customizable insurance plans that cover accidents, illnesses, and injuries after a 14-day waiting period.
No approvals required: 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.
Discount opportunities: Spot advertises discounts for multi-pet owners, AAA members, Blue Cross Blue Shield Blue365 members, and employee benefits discounts at some companies.
Spot Pet Insurance Reviews by Real Customers
Of course, Spot’s website makes the pet insurance company look like the ultimate choice. I wanted to see how real customers feel about its offerings and service so I read reviews and ratings on TrustPilot and Better Business Bureau (BBB).
At the time of this writing, Spot has 4.7 out of 5 stars, based on almost 10,000 reviews on TrustPilot and holds an A+ rating on the BBB. This gave me a lot of reassurance and confidence to actually go ahead and seal the deal with Spot.
As you can see from the real reviews below, Spot’s policyholders praise the insurer for its easy, fast claims process and reimbursement. There are countless reviews like these so if you prioritize exceptional service, Spot should definitely be on your radar.
Negative reviews like the one below were minimal but Spot responded to most of them in a friendly, professional manner. That gives them extra brownie points in my book and speaks volumes about their commitment to their customers.
What Spot Pet Insurance Could Do Better
Limited coverage for pre-existing conditions: Unless your pet has been symptom-free for 180 days, Spot Pet Insurance doesn’t cover any pre-existing conditions. Note this is typical in the pet insurance industry.
Wellness plans cost extra: If you’d like coverage for preventative care treatment, you’ll have to purchase a Wellness Coverage add-on, which is only available with an accident and illness or accident only plan.
Higher premiums: Even though Spot offers broad coverage and plenty of unique perks, its rates may be higher than other pet insurance companies for some pet owners.
How Spot Pet Insurance Compares
Spot is just one pet insurance company on the market. Before you buy a policy through the insurer, it’s a good idea to compare it to other providers. Here’s how Spot compares to Pets Best, Fetch, and Pumpkin.
Spot vs. Pets Best
While both Spot and Pets Best offer accident-and-illness, accident only, and wellness coverage, Spot’s plans offer more opportunities for customization. However, you’ll likely find cheaper premiums with Pets Best.
Pets Best also has a shorter waiting period of 3 to 14 days, which might be a plus if you’re seeking more immediate coverage. In addition, Pets Best lets you choose from a low $50 deductible whereas Spot’s starting deductible is $100.
Spot vs. Fetch
Spot and Fetch both sell accident-and-illness coverage but only Spot offers a standalone accident only policy. Also, Spot lets you choose unlimited annual limits while Spot’s limits cap out at $15,000.
Where Fetch shines, however, is its unique coverages that you won’t find with Spot, including boarding fees, lost pet advertising and rewards, and more. When it comes to discounts, Spot advertises a multi-pet discount and Fetch offers savings for military members.
Spot vs. Pumpkin
If you’re seeking an accident-only policy, you’ll only find it at Spot as Pumpkin does not sell this more type of coverage. Spot also offers more discount opportunities while Pumpkin’s sole discount is for insuring multiple pets.
Unlike Spot, however, Pumpkin lets you buy standalone wellness coverage to save on preventative vet care. Spot’s wellness plans are only available as add-ons to its main coverages.
| Spot | Pets Best | Fetch | Pumpkin | |
| Waiting period | 14 days | 3-14 days | 15 days | 14 days |
| Reimbursement rate | 70%-90% | 70%-90% | 70%-90% | 80%-90% |
| Annual deductible | $100-$1,000 | $50-$1,000 | $250-$2,500 | $100-$1,000 |
| Coverage limit | $2,500-unlimited | $5,000 or unlimited | $5,000-$15,000 | $5,000-unlimited |
Bottom Line
Spot Pet Insurance, recognized as one of the best pet insurance options, 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.
Frequently Asked Questions
Does Spot Pet Insurance Pay the Vet Directly?
No, Spot operates on a reimbursement model. Once you pay your vet for a covered service, you’ll submit a claim and Spot will reimburse you.
Is Spot Pet Insurance a Reputable Pet Insurance Company?
Yes, Spot is a reputable pet insurer. Even though it’s only been around since 2019, it has high rankings and positive reviews on sites, such as TrustPilot and Better Business Bureau (BBB). Plus, it was acquired by Independence Pet Holdings, which owns many other well-known pet insurance companies.
Do Spot Pet Insurance Costs Increase With Age?
Yes, Spot usually increases pet insurance premiums as a dog or cat gets older. This is due to their increased risk of illnesses and injuries. The younger you insure your pet, the better deal you can expect.
Methodology
Our experienced team at BestMoney uses a comprehensive methodology to rate and review pet insurers across the following categories:
Costs: We compared Spot’s premiums to industry averages and considered the value of its policies and discounts. To do this accurately, we pulled online quotes for multiple pet insurance companies.
Coverage terms: We considered Spot’s plan types, flexibility, special waiting periods, exclusions, and additional features or add-ons.
Availability: We looked at where Spot sells its pet insurance plans.
Claims process: We reviewed Spot’s claims processing and reimbursement times as well as the availability of direct pay to vets.
Customer service: Our team used reputable third-party review sites such as Trustpilot and the Better Business Bureau (BBB) to gauge Spot’s customer service and reputation.
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.
Contact Details and Address
Phone:
1-800-905-1595
Email:
service@customer.spotpetins.com
Address:
303 Banyan Blvd Suite 101,
West Palm Beach, FL 33401
Spot Pet Insurance Terms & Conditions
Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms visit https://spotpet.com/sample-policy. Products, schedules, discounts, and rates may vary and are subject to change. 10% multi-pet discount is available on all pets after the first. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.
Insurance plans 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), and are produced by Spot Pet Insurance Services, LLC. (NPN # 19246385. 990 Biscayne Boulevard Suite 603, Miami, FL 33132. CA License #6000188).
How do I know I can trust this review?
Our editors are serious about research - we combine our own experience with the services we recommend with reviews that come from verified users–just like you! Together with reviews from industry experts to ensure you choose with confidence and ease.
Written byAnna Baluch
Anna Baluch is an insurance and finance expert at BestMoney.com. She has written for Forbes, Newsweek, Credit Karma, CNN, and many other top publications.