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Spot pet insurance review 2025
Spot is a comprehensive pet insurance provider offering extensive coverage options for pet owners. Its inclusive approach to protecting pet health has helped Spot grow into a trusted name in the pet insurance industry. The company provides a variety of affordable insurance plans tailored to fit different budgets and the needs of pets of all ages, for routine and emergency care.
Whether your pet faces an unplanned injury, comes down with a sudden illness or struggles with more complex hereditary or chronic conditions, Spot offers financial support for necessary and alternative treatments. With a commitment to transparency and customer satisfaction, Spot has designed its policies to be easy to understand so pet owners can make informed decisions about their pets' health care.
Spot
Summary
Annual deductible options: $100–$1,000
Reimbursement percentage: 70, 80 or 90 percent
Annual limit: $2,500–unlimited
Claim turnaround time: 7 business days or less
Enrollment age: Enroll your furry friend from as early as 8 weeks. There is no upper age limit for enrollment.
Direct vet pay: No
Why Spot is the best for no upper age limits
Just like humans, our pets require more veterinarian visits as they age. Unlike many pet insurance companies, Spot doesn't have limits on pet ages, allowing you to continue providing care without worrying about costly vet bills. If you have a senior pet that needs an insurance policy, you may be eligible for coverage through Spot.
Spot coverage options
Spot offers various coverage options. Its plans include extensive coverage, ensuring that pets are protected against a wide range of potential health issues.
Spot plans and customizations
Spot Pet offers several plan options that can be customized to meet individual needs. These plans include different deductible levels, reimbursement percentages and coverage limits, allowing pet owners to tailor their insurance to fit their budget and coverage requirements.
Accident-only plan
On a limited budget? This plan is ideal for pet owners seeking affordable insurance to protect against unforeseen events that could lead to significant veterinary expenses. It’s also a great option for young, high-energy pets.
Spot’s accident-only plan covers care costs for injuries resulting from accidents, such as broken bones, bite wounds, cuts and toxic ingestions. The policy includes coverage for diagnostics, medication and hospitalization related to injuries sustained from accidents. Pet owners can rest easy knowing their pets will receive necessary medical attention in emergencies without causing a huge financial strain.
Accident and illness plan
Spot’s accident and illness coverage is a comprehensive insurance plan designed to safeguard your pet in many different scenarios. While it costs more than accident-only plans, coverage extends far beyond unexpected emergencies.
This policy applies to costs for illnesses including infections, cancer, digestive issues, chronic diseases and hereditary conditions. It even covers end-of-life expenses, such as euthanasia. In addition, Spot’s accident and illness plan covers treatment for dental illnesses and tooth extractions related to dental accidents.
The plan covers essential diagnostic tests, surgeries, hospitalizations and prescription medications. Spot also reimburses pet owners for alternative therapies such as acupuncture and chiropractic care.
Customization options
By offering flexible plans and customization options, Spot ensures pet owners can find the right balance between premium costs and coverage benefits.
- Annual coverage limits: Various annual limits allow policyholders to select the maximum payout per year, including an option for unlimited annual payouts. Lower annual coverage limits correspond to lower premiums.
- Deductibles: Choose from several annual deductible options for Spot plans, ranging from $100 to $1,000. Deductibles reflect the amount you must pay before your policy comes into effect. A lower deductible means Spot starts to reimburse you sooner rather than later, but this comes with a higher monthly premium.
- Reimbursement percentages: Options include 70, 80 or 90 percent reimbursement of covered costs. Lower reimbursement percentages will translate to more affordable policy premiums, whereas selecting a higher reimbursement percentage will mean lower out-of-pocket costs when your pet needs care.
Pros and cons
Pros
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24/7 Vet helpline: A 24/7 vet helpline, VetAccess provides pet owners with professional advice and peace of mind.
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30-day money-back guarantee: Spot will refund your full premium fee if you wish to cancel your policy within the first 30 days (not available in New York and Maine).
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Comprehensive, affordable coverage: Spot provides extensive coverage that includes accidents, illnesses, dental injuries, hereditary conditions and more.
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Exam fees covered: Spot reimburses vet exam fees for covered conditions according to the specifications in your accident-only or accident and illness plans.
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Flexible plans: With multiple deductible and reimbursement options, pet owners can customize their plans to suit their financial situation and coverage needs.
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No caps: Spot pet insurance accident and illness policies do not enforce any per-incident or lifetime payout limits.
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No upper age limit: Pets can be enrolled at any age over eight weeks, making Spot an excellent choice for older pets that other insurers might not cover.
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Preventive care options: Spot offers two optional wellness plans that cover routine care, vaccinations and dental cleanings.
Cons
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Limited coverage for pre-existing conditions: Like most pet insurers, Spot does not cover pre-existing conditions unless the pet has been symptom- and treatment-free for at least six months, which can be a drawback for owners with pets with prior health issues.
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No direct vet pay: Spot does not offer direct vet pay, meaning pet owners must pay up front and wait for reimbursement.
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Waiting periods: There is a 14-day waiting period, which can delay coverage for new policyholders.
Additional features of Spot
Besides being one of our top eight cheapest pet insurance providers, Spot provides several additional options to enhance the overall value of its policies. These features offer convenience and added protection for pets and their owners.
24/7 helpline
Once you enroll your furry friend with Spot, you can immediately access VetAccess, the company’s 24/7 helpline. Rather than race your pet to the hospital in the middle of the night for a non-emergency issue, you can use this telehealth portal to access veterinary experts via chat, messenger, phone or video. Ask questions about your pet’s health, wellness or behavior at no additional cost.
Discounts
Spot offers a 10 percent multi-pet discount for each additional pet you add to your insurance portfolio. You can also receive up to $500 per year through Spot’s Refer-a-friend program.
Spot perks
Spot pet insurance members can access discounts and exclusive promo codes for pet essentials such as pet-sitting, GPS collars, training treats, pet food and dental products.
Wellness plans
Routine care is one the best lines of defense for preventing major health issues down the road, but it’s often not included in accident-only or accident and illness plans. Spot does more than just offer a wellness plan to help cover vaccines, dental cleanings and more; It has two tiers of wellness coverage to help you customize your coverage.
Gold preventive care coverage
For an additional $9.95 per month, pet owners can opt for the gold preventive care package. This wellness plan reimburses fixed amounts for various preventive care treatments, up to $250 annually.
- Dental cleaning: $100
- Deworming: $20
- Dog heartworm or FeLV screening: $20
- Fecal test: $20
- Vaccine titers: $40
- Wellness exam: $50
Platinum preventive care coverage
Designed with older pets in mind, the Platinum care coverage offers more benefits for an additional $24.95 a month. Pet parents receive the following reimbursements (with no annual limit):
- Blood test: $25
- Dental cleaning or spay/neuter: $150
- Deworming: $25
- Fecal test: $25
- Health certificate: $25
- Parasite prevention: $25
- Screening for dog heartworm or FELV: $25
- Urinalysis: $25
- Vaccine titers: $75
- Wellness exam: $50
Exclusions and restrictions
Age restrictions
As one of the best pet insurance companies for insuring senior pets, Spot does not impose any age restrictions. Pet owners may enroll their kittens and puppies in Spot pet insurance policies from as young as eight weeks, with no upper age limit.
Waiting periods
Spot insurance plans have a 14-day waiting period. If you select a wellness plan add-on, preventive care coverage starts 24 hours after your wellness policy goes into effect.
Location restrictions
Spot Pet Insurance will reimburse for applicable claims from visits to licensed veterinarians, vet specialists or emergency care clinics anywhere in the U.S. or Canada.
Spot pet insurance costs
Pet insurance costs vary based on your location, discounts, and your pet's age, breed and health.
To give an idea of what prices might look like, we gathered sample quotes. Keep in mind that your quotes will be different.
These quotes include a $2 monthly transaction fee. You can eliminate the fee and save $24 a year with annual billing.
| Breed | 2 years old | 5 years old | 8 years old | 10 years old |
|---|---|---|---|---|
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*Sample policies were for a female dog with excellent health in Arizona with the ZIP code 85251. The choices for customization selected were for an accident and illness plan with a $250 deductible, 90 percent reimbursement limit and $5,000 annual benefit limit. Quotes are rounded to the nearest dollar. The rates listed are for illustrative purposes only. You should contact the company directly for applicable quotes. |
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| French bulldog | $122 | $161 | $288 | $401 |
| Labrador retriever | $86 | $112 | $200 | $278 |
| Golden retriever | $86 | $112 | $200 | $279 |
| German shepherd | $73 | $96 | $170 | $237 |
| Poodle | $86 | $112 | $200 | $279 |
| Dachshund | $50 | $66 | $116 | $162 |
| Breed | 2 years old | 5 years old | 8 years old | 10 years old |
|---|---|---|---|---|
|
*Sample policies were for a male cat with excellent health in Arizona with the ZIP code 85251. The choices for customization selected were for an accident and illness plan with a $250 deductible, 90 percent reimbursement limit and $5,000 annual benefit limit. Quotes are rounded to the nearest dollar. The rates listed are for illustrative purposes only. You should contact the company directly for applicable quotes. Rates last collected December 20, 2024. |
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| Ragdoll | $32 | $39 | $57 | $80 |
| Maine coon | $50 | $60 | $89 | $126 |
| Persian | $50 | $60 | $89 | $126 |
| Exotic | $58 | $70 | $104 | $147 |
| Devon rex | $32 | $39 | $57 | $80 |
| British shorthair | $50 | $60 | $89 | $126 |
How to file a claim with Spot
Pet owners have until 270 days after the treatment date to submit their claim. The process is quick and easy:
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Visit the app or website and log in to the member portal.
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Click on New Claim.
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Select the pet that received care.
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Select any applicable services and conditions.
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Type in the vet info and additional requested information.
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Upload a photo of the invoice from your vet (make sure it’s an itemized invoice).
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Submit your claim.
You'll receive an email to confirm receipt of your claim and again when the claim is being processed.
Processing of standard claims typically takes five to seven business days, but claims for preventive care can take as little as two days. Upon approval of your claim, you will receive your refund via direct deposit.
Frequently asked questions
Methodology
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