Spot Pet Insurance Review (2023)

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Jump To: Overview | Pros and Cons | Plans and Coverage| Samples of Prices | Spot State Availability | Spot Reviews | Final Thoughts | Spot vs Competitors | About Spot | FAQs | Methodology


Spot is one of the best pet insurance providers out there, and it has many pros, including unlimited annual benefits and comprehensive wellness plans. So, if you’re considering Spot pet insurance, you’ll want to learn more about its plans, the cost, plan customization options, and any discounts or exclusions its plans have. To help you out, we’ve created the following Spot pet insurance review, which goes over everything you need to know before deciding if Spot is the right provider for you. 

In this Spot pet insurance review, we’ll cover the following topics: 

  • Our Review for Spot Pet Insurance
  • Pros and Cons
  • Spot Pet Insurance Plans and Coverage
  • Costs
  • Deductibles
  • Preventative Care Limits
  • Coverage Exclusions
  • Plan Customizations
  • Discounts
  • State Availability
  • Spot Pet Insurance Reviews
  • Spot Pet Insurance vs. Competitors
  • About Spot
  • Frequently Asked Questions

Our Review for Spot Pet Insurance 

Every pet insurance provider has its strengths and weaknesses. As a result, it’s crucial that you know these pros and cons before you sign on for a pet insurance plan. This is especially prudent because any conditions your pet develops on one pet insurance plan will be considered pre-existing if you choose to switch pet insurance providers later. Since pre-existing conditions are not covered, choosing a good pet insurance provider at the beginning is critical. 

Let’s jump into the pros and cons of Spot. 

Pros and Cons of Spot Pet Insurance 


  • Multiple, comprehensive wellness plan options
  • No age restrictions when you sign your pet up for a plan
  • Option for unlimited annual benefits 
  • 24/7 telehealth helpline available for easy access to information
  • Offers a multi-pet discount of 10%


  • Does not cover prescription pet food
  • Bilateral exclusions for certain conditions
  • More expensive monthly premiums than many other pet insurance providers

Spot Pet Insurance Plans and Coverage 

Spot offers many plans, including an accident-only plan, accident and illness plan, and multiple wellness plan options for both dogs and cats. Unlike some of its competition, Spot offers a large variety of pet insurance plans and a significant degree of customization, which are some of the features we like most about Spot pet insurance. Let’s take a detailed look at each of these plan options and what they cover, along with sample average prices for dogs and cats. 

Plans and Costs 

Spot offers many customization options, including a plan with unlimited payouts, which significantly benefits pet owners. Spot does not have an age restriction, allowing you to sign your pet up for Spot pet insurance at any time. 

Here are the three primary types of Spot pet insurance plans you can choose from: 

Accident-Only Coverage

Accident-only pet insurance plans cover accident-related injuries and emergency care, such as a swallowed foreign object, broken bone, or snake bite. Spot offers a less expensive accident-only pet insurance plan that can help protect your pet should the worst-case scenario happen. Like all accident-only pet insurance plans, this plan does not cover illness-related veterinary expenses. Accident-only coverage plans start as low as $10 per month. 

Accident and Illness Coverage

Spot’s comprehensive accident and illness coverage plan provides your pet with additional coverage for accidents and illnesses, such as cancer, hospitalizations, microchip implantation, cataracts, and more. We like that Spot’s accident and illness plan also covers behavioral therapy, which many pet insurance providers do not regularly cover. Accident and illness plans start as low as $16 for complete coverage. However, most dog pet insurance plans will cost between $30 and $50 a month, and cat insurance plans will typically cost between $18 and $25 a month.

Wellness Plans

Spot offers some of the best and most comprehensive wellness plan options on the market. A preventive care plan covers your pet for routine veterinary costs, such as wellness exams, vaccinations, and dental cleaning. Spot offers both a basic and platinum preventive care plan.  

Spot’s basic preventive coverage plan costs $9.95 per month with a $250 annual limit and its platinum preventive care coverage plan costs $24.95 per month with a $450 annual limit. These prices do not vary based on your pet’s age, breed, or location, unlike its other pet insurance plans. 

Samples of Prices for Four Species/Breeds

The following prices are based on pets that are 4 years old living in the state of Georgia. The coverage for these estimates has an annual limit of $4,000, a reimbursement rate of 80%, and an annual deductible of $250.

Species/Breed Sample Price for Medium Mixed Breed Dog Sample Price for Golden Retriever (Dog) Sample Price for Domestic Shorthair Cat Sample Price for Domestic Mediumhair Cat
Accident and Illness Plan $39.68/month $55.16/month $24.12/month $24.12/month
Accident and Illness Plan With Preventative Care $49.63/month (basic) or $64.63/month (platinum) $65.11/month (basic) or $80.11/month (platinum) $34.07/month (basic) or $49.07/month (platinum) $34.07/month (basic) or $49.07/month (platinum)


Deductibles are the amount of money you must pay towards your pet’s vet bills before your pet insurance provider will start to reimburse you based on your plan’s coverage and reimbursement percentage. For example, if you have a $300 annual deductible, you’ll need to pay $300 out-of-pocket towards veterinary expenses before your pet insurance plan will kick in and begin reimbursing you.

Your Spot pet insurance plan will have an annual deductible, which can range from $100 to $1,000. Once you’ve hit your annual deductible, then you can begin submitting claims and receive reimbursement for approved claims and vet visits. Each year, your annual deductible will reset and need to be hit again before you start to receive payments for that year. 

When choosing a deductible for your pet insurance plan, consider the following: 

  • A higher deductible will mean that you have a lower monthly premium.
  • A lower deductible will likely mean that you a higher monthly premium.

Depending on your financial situation and the coverage you want, a lower or higher deductible can be a great choice. 

Preventative Care Limits 

Spot is known for its comprehensive preventative care add-ons. Here is our breakdown of the annual coverage limits for certain types of preventive care. 

Covered Item

Annual Limit

(Basic Plan)

Annual Limit (Platinum Plan)
Wellness Exam $50 $50
Heartworm Test $20 $25
Internal Parasite or Fecal Test $20 $25
Blood work Not included $25
Three Vaccines $40 (only covers two vaccines)  $75
Total  $250 $450

In addition to the mentioned coverage above, here are other things that are covered under each plan: 

Basic preventive care plan ($9.95/month)

  • Dental cleaning
  • Deworming

Platinum preventive care plan ($24.95/month)

  • Dental cleaning or spaying/neutering
  • Deworming
  • Routine urinalysis during your wellness vet visit
  • Health certificate

Please note that preventative care plans must be purchased alongside another Spot pet insurance plan and can not be purchased separately. However, you don’t need to satisfy a deductible before you can be reimbursed with a preventive care plan, and there is no waiting period to begin using a wellness plan with Spot. 

Coverage Exclusions 

As is the case with all pet insurance providers, Spot will not cover pre-existing conditions. Pre-existing conditions are defined as any condition your pet had before your Spot pet insurance plan became active. For example, suppose your pet has arthritis before you signed up for a plan. In that case, you will not be covered for any arthritis-related veterinary treatments, even if your plan would otherwise cover it. Spot will also not cover any conditions that occur within your pet insurance policy’s waiting period, which is common among all pet insurance providers. 

Other exclusions with Spot plans include non-FDA-approved treatments or supplements, pet diet foods, daycare costs, and boarding costs. You will also not be reimbursed for any expenses related to breeding, pregnancy, funeral services, grooming, herbal products, or cosmetic procedures such as tail docking or claw removal. 

Bilateral exclusions, such as cruciate ligaments or hip dysplasia, are also not covered. This means that if your pet currently has a cruciate ligament in one leg then your pet’s other leg will not be covered if it develops a cruciate ligament in it. This is true even if your Spot pet insurance plan is already active. However, please remember that this is a common exclusion and not highly specific to Spot. 

Plan Customizations 

Your ability to customize your pet insurance plan can significantly affect the overall cost of your plan and ensure that you’re not paying more for coverage that you don’t want. Spot offers many pet insurance plan coverage options so that you never have to pay for more than you want. 

Spot Pet Insurance Plan Customization Options

  • Annual limit: $2,500-unlimited
  • Reimbursement: 70, 80 or 90%
  • Annual deductible: $100-$1,000

You can also customize your plan further by choosing to add one of two preventive care plan add-on options to another Spot pet insurance plan. If you qualify for any discounts, this can also help you customize your plan and its pricing. 


Spot offers a competitive multi-pet discount of 10% — saving pet parents who add additional pets — a significant amount of money, especially over many years. Ten percent is a higher discount than most pet insurance providers will offer, especially considering many providers don’t even have a multi-pet discount. 

Spot also offers a 10% discount for employees working at companies who are enrolled in Spot through their company’s pet health insurance benefits program. 

Spot Pet Insurance also offers new policyholders the opportunity to qualify for a $25 Amazon gift card when they enroll their pets with Spot. Please note that this promotion is not available in all states. 

Spot Pet Insurance State Availability 

Spot is currently available to anyone living in the United States. Regardless of which state you live in, you can enroll your dog or cat with Spot. Policy details may vary from state to state. 


Spot Pet Insurance Reviews

We at 365 Pet Insurance value transparency above all else. As a result, we’ve included both positive and negative customer reviews for your review so that you can gain a nuanced look at Spot’s customer ratings. As a whole, Spot receives many positive reviews and has a strong 4.4 out of 5 stars rating on TrustPilot, which speaks highly to its business. Spot also has an A rating from the Better Business Bureau

Let’s jump into some of the customer reviews that stood out to us:  

“Got a Spot policy for my new kitten Stevie and have loved it so far! The claims process is very super easy and all of my claims have been processed quickly. The customer service has been exceptional which is a plus as well!” —Lexie A., Google Reviews

“I found it very easy to sign up for my pet’s insurance. I haven’t made a claim yet, so I can’t review its process. However, I was pleased with the affordable rates, offers, flexibility and perks that come with my four-legged-love’s account and insurance. I am also pleased with the welcome calls and emails, the constant communication is wonderful.. It looks like the beginning of a great health awareness and assurance journey for my pet, that’s easy on my pockets. Yeah, this is the Spot, for us to be!” —RPrice, TrustPilot

“Spot Pet Ins is very slow to pay claims, even when the claim is using the Preventative policy. Communication with them is frustrating. I’m going to be canceling my policy and going to a different company. It’s been almost 2 months since my last claim on Preventative, and still they say they require more information- my pup had been on their policy since she was 12 weeks old, they already have every medical piece of info, but still are taking time to pay reimbursement. Listen to the reviews I should have. Go elsewhere .” —Cady R., TrustPilot

“Not only do you get great pet insurance, but they’re one of the most affordable and customizable plans out there! They even give you a free 24/7 vet hotline and Cesar Millan’s free eBook that has dog training tips and tricks.” —George N., Google Reviews

Final Thoughts 

Our team at 365 Pet Insurance hopes this Spot pet insurance review helps you get a detailed look into how Spot pet insurance works, the plans its offers, its pricing, and overall rating by past and current customers. As a whole, we love that Spot offers a plan with unlimited payouts, has many customization options, and offers two comprehensive wellness plans. We also like that it provides a significant multi-pet discount and offers coverage for behavioral issues and alternative therapies. On the other hand, we dislike that Spot doesn’t cover prescription food and has higher than average monthly premiums. 

When considering which pet insurance plan to sign up for, we recommend gathering several free quotes from multiple pet insurance companies. This will help you gain a nuanced look at what different pet insurance providers will offer you at different rates. 

Spot Pet Insurance vs. Competitors

When choosing between pet insurance companies, it’s vital that you weigh your different options and see what is offered by various providers. The following table will give you a quick bird’s eye view of what features different pet insurance providers offer.

Factors Spot Lemonade Embrace Healthy Paws ASPCA
Quote Visit Site Visit Site Visit Site Visit Site Visit Site
Our Score 4.9/5 4.8/5 4.7/5 4.6/5 4.5/5
Average Monthly Cost for Dogs $30-$50 $37 $30-$40 $39 $49
Average Monthly Cost for Cats $18-$25 $15 $15-$20 $12 $29
Waiting Period 14 days for accident and illness, 14 days for knee or ligament events 2 days for accidents, 14 days for illness, 6 months for cruciate ligament events 2 days for accidents, 14 days for illness, 6 months for orthopedic conditions 15 days for accident and illness, 12 months for hip dysplasia events 15 days for all accident and illness coverage
Multi-pet Discount  10% off 5% off 10% off No 10% off
Mobile App  Yes Yes Yes Yes Yes
Wellness Add-on  Yes Yes Yes No Yes
Online Chat  No Yes Yes No Yes
BBB Rating A F A+ A- N/A

About Spot 

Spot is a Florida-based company founded in 2019. It is underwritten by the United States Fire Insurance Company, which was established in 1822. Crum & Forster Pet Insurance Group is a trademark of the United States Fire Insurance Company, which handles all claims, customer service, and billing for Spot. Crum & Forster Pet Insurance Group was recently rated A (excellent) by AM Best Company in 2019. Currently, Crum & Forster Pet Insurance Group has over 1,000 employees and over a decade of pet insurance underwriting experience. This can reassure pet parents that Spot is well backed by established companies. 

Spot is also partnered with Cesar Millan, the famous dog trainer, and he’s even written a free eBook for Spot customers. Cesar Millan promotes Spot to help educate pet owners on the importance of insurance coverage for their pets. Due to this partnership, Spot has a strong focus on pet training and correcting behavioral issues. It even offers extensive coverage for behavioral issues and training as a way of backing up its belief that holistic pet care is crucial for a pet’s overall health and happiness. Spot’s website also offers a variety of free resources to help pet owners take better care of their pets. 

Spot’s team is based in Southern Florida and is made up of various people with a wide range of backgrounds and skills. They bond together over their shared love of animals and their desire to achieve Spot’s ultimate mission: helping pets lead healthier and happier lives. 

Frequently Asked Questions

What are the advantages of Spot‘s pet insurance?

Spot pet insurance has many great advantages. Our favorite advantages are its customization options, including an option to purchase a plan with unlimited payouts, its comprehensive wellness plan options, and its heavy focus on behavioral training and coverage for behavioral issues. If you’re looking for a policy with unlimited annual benefits, Spot may be an excellent choice for you. We also like its highly rated customer service and that strong companies back it. Spot also has no upper age limit, which is ideal for pet owners with older pets.

How do I file a claim with Spot

There are two primary ways to submit claims with Spot. You can submit a claim through Spot’s mobile app by snapping a photo of your receipt, or you can submit the claim online through Spot’s portal. Remember that you will need to go to a licensed veterinarian, pay for the treatment out-of-pocket, then send Spot your claim to be reimbursed. Once it’s approved, Spot will reimburse you based on your policy’s reimbursement percentage and coverage. 

Does Spot offer exotic pet insurance? 

No, Spot only offers coverage for dogs and cats. To learn more about exotic pet insurance options, read more here

How do I know if my pet has a pre-existing condition?

This is a relatively simple process. If your pet has an accident or illness and the symptoms were not present, and it didn’t happen before your pet’s enrollment or during the waiting period, then the condition is not considered pre-existing. If the accident or illness occurred before your pet was enrolled or finished with their waiting period, the condition is pre-existing, meaning it won’t be eligible for coverage. 

Pre-existing conditions are one of the primary reasons why it’s important that you sign your pet up for pet insurance as soon as possible because this will minimize your chances of your pet having any or many pre-existing conditions. 

Does Spot cover veterinary exams?

In most cases, yes. If you have an accident and illness pet insurance plan, you will be covered for any veterinary exams related to the diagnosis or treatment for covered conditions after you’ve hit your annual deductible for that year. If you have an accident plan, you will only be covered for veterinary exams related to accident diagnosis or treatments. 

A preventative care plan will cover routine veterinary exams, such as your pet’s yearly wellness exam. In short, if the veterinary exams are related to your coverage, whether for accidents, routine care, or illnesses, then they will be covered under your plan. 

How long is Spot’s waiting period?

Spot has a typical 14-day waiting period for illnesses and accidents. So, if your pet is injured or becomes ill during that 14-day waiting period after the policy’s effective start date, your pet’s veterinary bills will not be eligible. Anything that occurs during the waiting period is not eligible for claims, regardless of what pet insurance provider you go with. 

Our Methodology

​​Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

  • Coverage
  • Plan options
  • Cost 
  • Reputation
  • Customer service 
  • Species available
  • Wellness benefits 

We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations. 

Each factor is weighted differently based on the following factors:

  • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
  • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
  • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
  • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
  • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
  • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
  • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.