Spot Pet Insurance Review: Plans, Prices, Pros and Cons

Spot Pet Insurance Review

Looking for the best pet insurance for your furry friend? We think Spot Pet Insurance is worth a try. Our team has scoured the market and concluded that Spot is the top provider for both cats and dogs.


What makes Spot insurance stand out from the rest? Well, for starters, we go the extra mile by sometimes covering the cost of medical examinations. And that's not all - they also offer two amazing wellness plans, Gold and Platinum, that focus on preventative medicine.

With their wellness plans, you can rest easy knowing that the cost of important preventive treatments like wellness exams and dental cleanings will be partially covered by both plans.


Learn more about Spot Pet Insurance below. 



  • Extra savings for pet owners.
  • The option of Unlimited Security.
  • If you experience an accident or medical issue, the associated check-up expenses will be handled.
  • It can be attained with a reasonably priced $100 deductible.
  • Select between a plan that provides coverage exclusively for accidents or includes accidents and illnesses.


  • Assessments of a pet’s welfare are not included in the usual agreement.
  • Coverage for cats and dogs exclusively.

Spot insurance offers accident-only and accident and sickness coverage for cats and dogs. Customers may select from a yearly maximum between $0 and $10,000 and a lower deductible. 

Standard Spot pet insurance reviews cover prescription drugs, major medical procedures, testing, consultations, and treatment plans for chronic issues. Spot's standard policies do not cover regular health checks, yet the business does have two preventive care packages (Gold Preventive Care and Platinum Preventative Care). 

Those with multiple pets can save money with Spot's multi-pet discount.


>>Check the best plans for Spot Pet insurance


Bottom Line:

Spot pet insurance offers two types of plans: accident-only and accident-and-illness. In addition, the cost of veterinary treatment for any outdoor-related injuries or illnesses will be taken care of, making this one of the best pet insurance companies. 


For those inquiring about spot pet insurance reviews that cover preventative care, Spot insurance has two options to cover the cost of regular wellness treatment.


What Does Spot Pet Insurance Cover?

Spot's insurance will cover any medical expenses required if they become ill or are injured in an accident.


This blueprint covers the expenditure for the following categories:

  • Insertion of a microchip for identification purposes.
  • Visiting the Hospital.
  • Exploiting stem cells for cure.
  • Radiography to examine the inside of the body.
  • Emergency medical supplies such as plasters, splints, and casts.
  • Taking medicinal products as a way of dealing with a medical state that is covered by spot pet insurance reviews.
  • Meals that a physician prescribes to tackle a medical condition that is reimbursed by your health spot insurance.
  • Medicines that a medical practitioner prescribes.
  • Medical imaging such as CT and MRI.
  • Paying attention to multiple behavioral issues.
  • Situations of unintentional poisoning and pulled ligaments.
  • Strategies for curing cancer.
  • Middle ear infections and other health problems.

Plans Available From Spot Pet Insurance

Spot insurance offers coverage for cats and dogs that are kept as pets.


  • Injuries
  • Trauma and disease exclusively


  • Injuries
  • Damage and ailments exclusively


In case of a mishap or sickness, the spot insurance will finance the vet's examination and any needed care, including hospitalization, surgery, drugs prescribed by a physician, expenses for poison control, and medical supplies.

Examples of health issues that would only be covered by accident and sickness coverage are thyroid disease, cancer, respiratory infections, and the immunotherapy virus.


>>Get the best deals for Spot Pet insurance


Spot Pet Insurance Optional Features

Individuals interested in covering the expenses of their yearly health check-ups can opt for either the gold or platinum preventive care package.

Gold Preventative Care Coverage 

Spot pet insurance reviews include a yearly reimbursement of $250 for preventive healthcare services.

  • Detecting heartworm in canines 
  • Examining the overall wellness
  • Collecting fecal matter for analysis 
  • Immunizing 
  • Inspecting the cleanliness of the teeth 
  • Analyzing Feline Epizootic virus in felines
  • Eliminating worms 

Platinum Preventative Care Coverage

Apart from the advantages of getting gold, Spot insurance can only receive a reimbursement of up to $450 annually for preventive care.

  • Helping with the spaying or neutering of animals.
  • Safeguarding pets from fleas and heartworms.
  • Vaccinating canines against rabies.
  • Verified pee and blood tests with medical clearance.

After half a year of treating a curable long-term sickness in your pet, you may receive coverage for preventive maintenance. Pre-existing health conditions, child care, BOA, and DING are excluded.


What Doesn't Spot Pet Insurance Cover?

Spot Pet Insurance does not provide coverage for any ailments that were present prior to the policyholder's enrollment. Additionally, health concerns during the policy's waiting period are not covered. 

Regular vet check-ups are not part of the standard policy. However, the Gold and Platinum preventative care packages may offer some assistance.

The following are expenses that are not included:

  • Negligent, intentional, or inadvertent activities that lead to damage.
  • Operations that are purely aesthetic or elective.
  • Care and overnight stays.
  • Existing disorders.
  • Interactions such as mating, giving birth, or nursing.
  • Nutrients and other health-oriented products to maintain health and ward off illness.


>>Check best prices for Spot Pet insurance


Spot Coverage Options

Deductibles: When you have reached your deductible, your Spot pet insurance reviews expenses for veterinarian services will start. 

Spot provides five yearly deductible choices of $100, $250, $500, $700, and $1,000 for both the accident and sickness plan and the accident-only plan. Expenses for preventive care are not subject to the deductible. 

When the annual deductible is paid, Spot pet insurance will cover a part of the vet bills up to the highest limit of the policy. Both primary plans of Spot insurance offer reimbursement rates of 70%, 80%, or 90%. Percentage calculations are not applicable to preventive care programs.

Coverage Limits: Annually, Spot insurance offers insurance reviews with no upper limit on the amount of money that may be insured. The minimum amount is $2,500.


Spot Pet Insurance Waiting Periods for Coverage

Spot pet insurance company often have a set waiting period before claims can be made. This is noted as the "waiting period," starting on the day the policy is in effect. 

Spot insurance offers one of the shortest accident waiting times at 14 days. If you look at other companies, you will likely find they have a more extended waiting period than Spot's 14 days. In the case of illness, the waiting period is usually 14 days, but it can be longer. 

For example, the spot insurance company may require an extended waiting period if the claim is for a torn cruciate ligament. At Spot insurance, we don't have any extra waiting periods that are obligatory before claims can be paid.


How Much Does Spot Cost?

How much does pet insurance cost? In the Lone Star State, if you get spot pet insurance reviews with a $500 deductible, a yearly limit of $5,000, and a 90% reimbursement rate for a female mixed-breed dog aged one year old, you will be paying $36.54 every month. 

On the other hand, the same coverage for a male domestic shorthair kitten less than one-year-old will cost you $16.51 per month. Factors like the kind of spot pet insurance, the breed and age of your pet, and the place you live will affect the price.


>>Check the best deals for Spot Pet insurance


Consumer Experience

Spot's internet page is effortless to navigate, and it is where patrons can get an estimate and enroll their animal for Spot insurance. Furthermore, it features a strong


FAQ page that answers many of the questions customers may have:

Individuals interested in discovering the various kinds of protection they can obtain can find examples of policies on the website.

  • Claims: All claims must be submitted within 270 days of the date of the treatment. Policyholders have to pay for their pet's veterinary care initially and then provide receipts to the Spot insurance to be reimbursed.
  • Customer Service: Support representatives are available from 8 am to 8 pm Eastern Time, Monday to Friday. Customers can call Spot on (800) 905-1595 or email them by going to the contact page.
  • App: The Spot insurance app can be installed on iOS and Android smartphones. The app allows users to review their policies, submit claims, and monitor the progress of their claims. The Spot insurance web and mobile apps also serve as portals for filing claims.

Spot vs. The Competition

There are many best pet insurance companies to look through. Here we compare the top alternatives to Spot to make it easier for you.

Spot vs. Lemonade

Lemonade's basic policy includes accidental and medical occurrences, while families can pick just accident or accident and sickness coverage under the Spot pet insurance reviews. 

Enhancements that cover medical therapies, treatment for accidents and illnesses included in the program, and dental diseases are available with the plan. Vet fees for injuries and diseases

are included in Spot pet insurance reviews, and some physical therapy is part of the regular plan.

For our representative coverage for a healthy 1-year-old female mixed-breed dog in Texas, Spot insurance is a $36.54 monthly premium. Lemonade is $19.44, with an annual deductible of $500, an annual benefit of $5,000, and a reimbursement rate of 90%.

The monthly premium for a male domestic shorthair kitten under a year of age is $16.51 for Spot insurance and $11 for Lemonade.

Even though Lemonade's pet insurance is only available in 35 states and Washington D.C, Spot is accessible in all U.S. states. Read more in our Lemonade Pet Insurance review.


>>See plan options for Lemonade Pet Insurance

Spot vs. Trupanion

Spot and Trupanion are both specialized in giving pet health spot pet insurance for cats and dogs. Although both of them have waiting periods, the periods given by each firm are distinct. 

For damages, Trupanion requires a 5-day waiting period, and for illness, a 30-day waiting period. On the other hand, Spot has a 14-day waiting period for both illnesses and accidents. 

Additionally, while Spot's basic package contains microchipping, Trupanion does not cover this safety measure. Moreover, while Spot insurance gives coverage for accident- and illness-related veterinary visits, Trupanion does not have a wellness plan that includes preventive care. 

Spot pet insurance reviews include yearly deductibles, maximum policy limits, and reimbursement percentages that can be adjusted. Additionally, if you prefer, you can pick a policy with no yearly restrictions. 

On the other hand, Trupanion's plans cover all with no restrictions, and they reimburse at a rate of 90%. Lastly, Spot insurance has a yearly deductible, while Trupanion has a deductible that applies per ailment.

Spot vs. Pumpkin Pet Insurance

Pumpkin's coverage is not limited to accidents like Spot pet insurance reviews. It offers protection against accidents and ailments, plus the option of an extra health plan. 

Spot and Pumpkin Pet insurance companies have annual plans covering unlimited animals, making them great for pet owners. Customers can anticipate receiving a refund at a steady rate of 90% with Pumpkin, but with Spot insurance, it can be anywhere between 80-100%. 

Pumpkin will pay the vet bill, while Spot will reimburse you after you have already paid for the services. Read more in our Pumpkin Pet Insurance review.

>>See plan options for Pumpkin Pet Insurance

Spot vs. Healthy Paws

Unlike Spot insurance, which has two separate policies for accidents and wellness, Healthy Paws has one policy that encompasses both. This plan, however, does not include coverage of vet visits, pet prescription food, or dietary supplements. 

Despite this, Healthy Paws gives unrestricted protection for your pet all year, similar to Spot pet insurance reviews every year, and variable reimbursement amounts. 

Plus, Healthy Paws normally takes care of claims within two to ten days, as opposed to Spot insurance, which does not provide a predicted time for processing claims.

>>See plan options for Healthy Paws Pet Insurance


Spot FAQs

Is pet insurance worth it? If you still have unanswered questions, see if we answer them below.

How Do I Buy Pet Insurance From Spot?

To get a quote for Spot pet insurance, go to the business website and respond to a couple of queries. Click the "Free Quote" or "Request a Quote" button.

The form will need basic information such as the type of animal you are insuring (cat or dog), age, gender, and breed.

Kittens and puppies must be at least eight weeks old to be eligible for Spot's coverage. There is no maximum age limit for elderly pets.

By giving the details of each pet during the quote process, you can get spot insurance for multiple animals simultaneously.

Spot pet insurance requires your email address and zip code for you to use their service. You are not obligated to buy the spot insurance after you get the quote.

Is There a Waiting Period for The Spot Policy?

Where you live does not matter, as all cats and dogs must wait for 14 days before they can visit Spot. This waiting period is the same for all breeds and ages, unlike with some other spot pet insurance reviews. 

With particular insurers, canines with hip dysplasia or cruciate ligament damage may have to wait 6 to 12 months.

>>Get the best prices for Spot Pet insurance

Does Spot Offer a Wellness Plan?

Spot pet insurance offers two packages related to health that contribute to the cost of preventive care. If you have more than one pet, you will be charged an additional $9.95 monthly for the Gold Package and $24.95 each month for the Platinum Package.

Does Spot Cover Pre-existing Conditions?

Spot pet insurance reviews don't provide coverage for diseases that have already been contracted before the pet is enrolled in the program or within the waiting period. 

However, if an animal does not show any symptoms for 180 days, then the company will assume the ailment has been cured and will not be taken into account as a pre-existing condition. 

Conversely, any ligament or knee troubles identified before or during the waiting period will not be covered by Spot insurance since they're considered to be permanent pre-existing medical issues.

Will Spot Pet Insurance Cover Neutering and Spaying?

The Platinum Preventative Care upgrade provided by Spot insurance includes spaying and neutering. These services are not included in Spot's basic plans or the Gold Preventative Care option. 

Does Spot Cover Dental Cleanings?

Spot's Gold and Platinum Preventative Care riders both provide coverage for dental cleanings, but the cost can vary from $100 to $150. 

On the contrary, Spot's standard Accidents & Sickness or Accident Spot insurance plans do not include coverage for regular dental exams.

How Do I Contact Spot's Customer Service?

Spot insurance customer service team is available to answer queries via phone between 8 am and 8 pm EST on weekdays. If a customer is unable to reach an agent during these hours, they can fill out an online contact form. Unfortunately, the company does not provide a chatbot service.

Does Spot Have Any Coverage Limits?

Spot insurance offers a choice between having an annual coverage range from $2500 up to $10,000, or you can opt to have no maximum limit.


>>Check the best prices for Spot Pet insurance

Does Spot Have a Deductible?

A period of 270 days from the date of treatment.

How Long Does It Take Spot To Reimburse a Claim?

After you have taken care of the vet bill and submitted a request for reimbursement, Spot will reimburse you through a direct bank deposit or a paper check. If you need to file an appeal, the processing time may extend up to 30 days.

How Do I Cancel a Pet Insurance Policy from Spot?

Spot insurance customers are required to get in contact with the firm via phone or email to terminate their policy, even though customer service support for canceling a policy is offered round-the-clock, seven days a week.


Summary: Is Spot Pet Insurance Worth It?

Purchasing pet insurance from Spot is quick and easy. Simply visit their website, fill out a few questions, and receive a quote for your furry friend. With no upper age limit for mature pets and a 14-day waiting period, Spot offers reliable coverage for a range of conditions. 

What makes them so great for your pets? 

If you're looking for extra protection, their preventative care plans cover dental cleanings and spaying/neutering. If you ever need to file a claim, Spot makes it simple to do so through their website or app. 

Lastly, if you need to cancel your policy, you can do so at any time by contacting their customer service team. Sign up for Spot Pet Insurance today and give your pet the peace of mind they deserve!

>>Check the best prices for Spot Pet insurance


Related Articles: