Pet insurance can give you peace of mind knowing your pet can receive the care it needs if an expensive accident or illness arises.
Spot is a popular pet health insurance company with a range of customizable coverage options. Our Spot pet insurance review analyzes Spot’s coverage, cost and customer reviews to help you make an informed decision, weighing the provider’s most significant pros and cons.
What We Like and Don’t Like
Here are a few pros and cons of Spot pet insurance you should consider:
✅ Offers an unlimited annual coverage option, whereas many competitors cap coverage
✅ Covers sick vet visit and exam fees, which most providers exclude or limit from accident-and-illness plans
✅ Has no upper age limit, making it an ideal choice for older pets
❌ Has a 14-day waiting period for accidents, while some providers only require a two-day wait for coverage to start
❌ Does not provide customer service on the weekend
Spot Background and State Availability
Founded in 2019, Spot is backed by Crum & Forster Insurance Agency, Inc. The reputable insurer underwrites Spot’s policies, lending to its positive reputation in the industry. Spot is also endorsed by Cesar Millan, a highly regarded pet trainer and behavioral expert who sits as the company’s chairman.
In our thorough analysis of Spot, its variety of coverage stood out most, with wide ranges of coverage amounts and deductibles. The company also offers accident-only, accident-and-illness coverage and preventive care plans.
Spot pet insurance policies are available in all 50 states, but specific coverages may vary from state to state.
Spot Pet Insurance Coverage
Spot offers a standard accident-and-illness plan, an accident-only plan and preventive care add-ons. Accident-only plans can provide pet owners with a more affordable solution that still provides their pets some protection. In contrast, accident-and-illness plans provide more robust coverage.
Here are some of the coverages offered by Spot’s accident-and-illness plan:
- Accident injuries, such as torn ligaments, bite wounds and toxic ingestions
- Illnesses including cancer, urinary tract infections (UTIs) and more
- Congenital or hereditary conditions, such as hip dysplasia and heart disease
- Behavioral issues, such as fur pulling or excessive licking
- Infections, such as diarrhea and vomiting
- Chronic conditions, such as arthritis, heart disease, allergies and skin conditions
Specialty care, emergency treatment, operations, alternative therapies such as acupuncture, diagnostics such as X-rays, MRIs, hospitalizations and medications related to these conditions are covered by Spot’s policies.
View a sample policy detailing coverages and exclusions based on your location.
Spot also offers two routine care options:
- Gold: For $10 per month, the Gold preventive plan provides reimbursement for dental cleaning, wellness exams, select vaccinations, a fecal test, spaying and neutering, a heartworm test or feline FeLV test and deworming, totaling $250 of annual benefits.
- Platinum: At $24.95 per month, the Platinum add-on offers the same coverage as the Gold plan, with some increased reimbursements. It also covers flea and heartworm prevention, additional vaccines, a blood test, urinalysis and a health certificate, totaling $450 of yearly benefits.
These preventive care benefits can enhance the coverage offered by your accident-and-illness plan.
Exclusions and Limitations
Spot doesn’t cover preexisting conditions — accidents or illnesses that occur before or during the company’s waiting period — which is standard across the industry.
Spot’s waiting period for both accidents and illnesses is 14 days. The company does not consider a condition to be preexisting if it has been cured and is symptom-free for at least 180 days. This exception does not apply to knee or ligament conditions.
Here are a few of the services that Spot pet insurance plans don’t cover:
- Anal gland expression
- Breeding, nursing, whelping or pregnancy-related expenses
- CBD and other herbal products
- Cosmetic procedures
- Experimental treatments that are not widely accepted or proven
- Funeral and other end-of-life expenses, such as urns or burial plots
- Grooming services, such as nail trimmings and nonprescription shampoos
- House call expenses or travel reimbursement
- Intentional or negligent accidents and illnesses
- Routine dental cleanings
Spot Pet Insurance Cost
We secured direct quotes from Spot during our research process and found that its policies are reasonably priced. One of the primary benefits of Spot is its flexibility. Spot allows you to adjust your premiums to meet your budget by offering a range of coverage amounts, reimbursement percentages and deductibles.
You can customize your policy with the amounts below:
- Annual benefits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000 or unlimited
- Reimbursement rates: 70%, 80% or 90%
- Annual deductibles: $100, $250, $500, $750 or $1,000
Your premiums will be partly based on your location because vet expenses vary nationwide. Your pet’s coverage will also depend on your pet’s age, breed and health condition, which can all impact your likelihood of filing a claim.
As mentioned above, the coverage amounts you choose will also factor into your monthly premiums. For example, you could lower your monthly rates by choosing a higher deductible, or the amount you are expected to pay out-of-pocket before Spot contributes to your vet bills.
You may also be able to lower premiums with Spot’s discounts. Spot offers a 10% Employee Benefit Discount, which some providers extend through their benefits enrollment program. Additionally, you can save 10% with Spot’s multiple pet discount by enrolling more than one dog or cat in a Spot pet health insurance plan.
The company also provides a 30-day money-back guarantee.
Because so many factors influence cost, we recommend you get a free quote directly from Spot to determine your pet’s coverage eligibility and premiums.
Spot Pet Insurance Customer Service
Spot provides policyholders with a streamlined mobile app that allows them to file and track claims, view important policy details, update contact info and locate veterinarians in their area.
You can also reach out to the company’s Customer Care Center by phone at 1-800-905-1595 or via an online contact form. While Spot’s app and other communication resources are helpful, its customer service team is not available on weekends.
Spot does allow you to file claims online or in the app. The company may contact your veterinarian for any necessary medical documentation, but you are encouraged to share medical records in your claim submission to expedite the process. You’ll also be prompted to upload a photo of your invoice.
You can track the progress of your claim in the app or the online account center. Spot will also email you once your claim has been received and again when it has been processed.
Spot Pet Insurance Customer Reviews
To get an accurate view of Spot’s customer experience, we analyzed more than 100 reviews from policyholders across sites such as Trustpilot, Yelp and Google Reviews. We discovered that most of Spot’s customer reviews are positive and commonly praise the provider’s simple claims process, affordability, helpful customer service representatives and quick payouts.
Some critical reviews called out Spot’s denial of preexisting conditions and lack of communication, which are common complaints in the pet insurance industry.
Here are a few of the Spot pet insurance reviews we surveyed on Trustpilot:
“We never had pet insurance for our pets until we got a new golden retriever puppy this year and the breeder recommended we should. After some research we ended up going with Spot and have been very pleased with how friendly they are and the ease of reimbursements. I wish we had learned about pet insurance sooner!!” — Sarah, 2022
My dog paquita (pitbull) is getting close to 10 years, so far all her vet bills have been paid and the process have been really easy for me, the enrollment process was really fast compared to some other webpages, I have always wanted to get a pet insurance but been delaying it, the good thing is that I am now taking her to the vet for preventive care and so far all has been covered, I love that I will get to keep her longer with me.” — Juan, 2022
“I wish the claims process went a little quicker. There was a discrepancy with my first claim which held up the other claims for over a month. Also, better notification of settled claims. Otherwise, Great plan! Good customer service if you need to talk to someone.” — Elizabeth C., 2021
*Customer reviews are accurate as of March 2022.
Is Spot Pet Insurance Right for You?
We recommend Spot for its variety of plan options. Whether you’re looking to cover accidents or you want to provide your dog with comprehensive protection and preventive care benefits, Spot could be an ideal choice. Its range of annual coverage limits and flexible deductibles make it highly customizable and well-suited to several budgets.
However, Spot falls short in the customer service department, with no access to customer support on the weekend. It also has a longer waiting period for accidents than some competitors, a factor worth considering.
Top Pet Insurance Company Alternatives
Whether Spot is the right pet insurance provider for you depends on you and your pet’s unique needs. The best way to land on the right company and plan for your furry friend is to compare quotes from multiple insurers.
|Superlative||Star Rating||Affiliate Link|
|Lemonade||Best Overall||Get My Quote|
|Spot||Best Plan Variety||Get My Quote|
|Fetch||Best Healthy Pet Credit||Get My Quote|
|Healthy Paws||Most Trustworthy||Get My Quote|
|Embrace||Best Benefits||Get My Quote|
|ASPCA||Best Resources||Get My Quote|
|Prudent||Most Inclusive Coverage||Get My Quote|
|Figo||Shortest Waiting Period for Injuries||Get My Quote|
Spot Pet Insurance FAQs
How We Rated the Best Pet Insurance Providers
Before choosing a pet insurance provider to protect your cat or dog, you should consider coverage, customization and customer experience. To save our readers time, we spend hours researching pet insurance companies and rate each company’s overall performance on various metrics.
Here’s a breakdown of each review factor and how we weigh them:
- Policy Coverage (25): We score providers on the total coverage they offer with each policy, their annual coverage limits, treatments, procedures, conditions and the types of coverage plans available.
- Monthly premiums (20): We score companies on their pricing for both dogs and cats, with the most affordable companies receiving the most points in this category.
- Plan Customization (15): We scored companies based on how many options they provide to customers to help them customize their plans and premiums. Companies with more deductibles, reimbursement rates, annual limits and add-on options scored higher than those with fewer options.
- Trustworthiness (15): We rated each company’s trustworthiness based on their ratings from the Better Business Bureau (BBB), years of experience and available money-back guarantees.
- Customer Experience (10): This factor is scored based on the resources provided by each pet insurance company. Providers that offer a mobile app, an online portal for claims and account management, a 24/7 vet helpline, customer chat service, and an easy online quote tool received more points than providers without these resources.
- Waiting Period (10): Each company has a dedicated waiting period for accidents, illnesses and orthopedic conditions that starts when you sign up for your policy. Companies with shorter waiting periods scored higher in this category since they provide faster service than companies with long waiting periods.
- Eligibility (5): We scored companies on each eligible species they cover, such as dogs, cats and exotic animals and awarded points to companies that didn’t have an age limit on pets.