Spot Pet Insurance Review

Best Selection of Terms

4.5 _/5

LendEDU Rating

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Pet Insurance

• Offers the most customizable pet insurance policy
• 24/7 pet helpline
• 30-day money-back guarantee

• Premiums can be high depending on the terms you select
• $2 fee for monthly payments

Annual coverage	$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, or unlimited
Reimbursement	70%, 80%, or 90%
Deductible	$100, $250, $500, $750, or $1,000

Spot stands out among the competition. We recommend it because it covers medical care that many of its competitors don’t, such as insurance for pets of any age, microchip coverage, prescription food coverage, and more. 

Here is more information on how Spot pet insurance works, how much it costs, and the steps to getting the coverage you need.

How does Spot pet insurance work?

Eligible breeds	All dogs and cats
Eligible ages	8 weeks – No limit
Maximum benefit	$2,500, $4,000, $5,000, $7,000, $10,000, or unlimited
Reimbursement amount	70%, 80%, or 90%
Deductibles	$100, $250, $500, $750, or $1,000
Medical exam required?	No

Spot pet insurance offers flexible insurance policies for all dogs and cats. You can customize your pet’s coverage to create a plan that works for you. For example, you can choose a basic plan or one that includes coverage for regular checkups and unexpected illness or injury.

You can also choose your reimbursement amount (70%, 80%, or 90%) as well as your deductible (available from $100 up to $1,000.) Plans with lower reimbursement amounts and higher deductibles will typically be more affordable.

Another benefit of being a Spot customer is that you don’t need to cap your benefits. Some insurance companies will only provide benefits until you reach a maximum payout. With Spot, you can choose an unlimited maximum benefit. Spot also imposes no age limit for pets, something many competitors cap.

How much does Spot cost?

The price for Spot pet insurance varies based on various factors, including the breed of your pet and their age.

The cost of a policy also varies with the level of coverage you select. Here are three possible coverage options and the cost for a three-year-old male cockapoo.

1. Coverage with a $250 deductible, 80% reimbursement, and a $5,000 annual limit is $49.94 per month.
2. Coverage with a $150 deductible, 90% reimbursement, and a $5,000 annual limit is $67.65 per month
3. Coverage with a $500 deductible, 70% reimbursement, and a $5,000 annual limit is $37.82 per month.

You can also save money by opting for accident-only coverage, which doesn’t cover regular checkups. The ability to customize the policies makes it easy to find one that fits your monthly budget.

What does Spot cover?

Spot covers many pet-related expenses, including more than many other competitors. You can see a Spot sample policy to understand what’s typically covered and what’s not. Some items are only covered if your pet has been in an accident, and payment for some treatments is only possible if you’ve purchased an add-on policy.

Spot pet insurance can cover almost anything from regular vet visits to accidents that require significant care. The company will offer a list of treatments its plans cover when you purchase your policy.

To get coverage for checkups, you must select that option when applying for a policy. The company’s accident-only coverage kicks in if your pet is in an accident or suffers an unexpected injury. It doesn’t cover costs related to illnesses, pregnancy, or negligence.

Spot is firm on its policy not to pay for any pre-existing conditions.

Is Spot pet insurance good? Pros & cons 

Consider the pros and cons before purchasing any pet insurance plan.

Pros

• Customizable policies

• Discount for multiple pets

• No age limit

• 30-day money-back guarantee

  If no claims have been submitted. Not available in New York.

• Visit any licensed veterinarian

Cons

• Only covers cats and dogs, not exotic pets

• Different policy options can make it hard to figure out what is covered

• Does not cover prescription food

Overall, Spot is a reputable company that offers many options and add-ons for pet owners. As long as pet owners take the time to understand their policy and what’s covered, Spot can help pet owners afford quality medical care for their cats and dogs.

How to get a Spot policy

Here’s what you need to know about signing up for a Spot pet insurance policy.

Eligibility information

Spot makes it easy to insure any cat or dog. It doesn’t have breed restrictions, and you can insure your pet after they’re eight weeks old. However, your premium may increase as your pet ages or develops a health condition, so it’s often cheaper to insure them while they’re young.

No medical exam is required, but you will need to send your pet’s vet records to the company as part of the application process. You can sign up from anywhere in the U.S.

How to apply

1. Visit Spot’s website and click “Get a Quote.”
2. Fill out your pet’s details, including their name, breed, and age.
3. Provide your information, including your email address and ZIP code.
4. Select a plan, including the annual limit, deductible, reimbursement amount, and add-ons.
5. Provide your billing information.
6. The insurer will contact you to ask for medical records and begin the 14-day waiting period for coverage to start.

Spot pet insurance customer reviews

Spot has thousands of customer reviews online. Here are some of its ratings.

Platform	Rating	Number of reviews
Trustpilot	4.7/5	6,074
Google	4.1/5	1,462
Better Business Bureau (BBB)	2.82/5	77

On all three platforms, Spot customers comment on the excellent coverage and easy-to-use app. Several negative reviews mention poor customer service or treatments they thought were covered but weren’t.

BBB says Spot is an A-rated, accredited business. However, the average rating is lower than on the other two platforms. Most of the negative reviews are about Spot not providing reimbursements for pet care.

Where to find alternatives to Spot

Spot is one of our highest-rated companies, but it isn’t the only pet insurance provider on the market. Many other companies can help you care for your pet, so we recommend comparing to get the best deal.

Below are several other top-rated companies:

To see more about these options, use our guide to the best pet insurance. To compare real quotes to see which is most affordable, check out our cheap pet insurance guide.

We’ve also created one-on-one comparisons: Read our Spot vs. Pumpkin, Spot vs. Healthy Paws, Spot vs. Trupanion, and Spot vs. ManyPets comparisons.

FAQ

What is the waiting period for Spot pet insurance?

Spot pet insurance typically has a waiting period of 14 days for illnesses and two days for accidents. After enrolling your pet, you must wait this amount of time before coverage begins for these conditions. Any condition that arises during this waiting period is considered pre-existing and not covered.

How do I contact Spot pet insurance customer service?

You can contact Spot customer service through various methods. For immediate assistance, call the customer service line at 1-800-905-1595, or email [email protected]. You can also visit the official website and use the contact form to submit your inquiry or send mail to P.O. Box 29239, Phoenix, AZ 85038-9239.

Customer reviews for Spot customer service are generally positive, highlighting a friendly and helpful support team. However, some customers have reported longer-than-expected response times or challenges with claim processing.

Is Spot pet insurance legit?

Yes, Spot is a legitimate company. It offers a range of pet insurance plans underwritten by United States Fire Insurance Company, a well-established and reputable insurance provider. Spot is known for its comprehensive coverage options and customizable plans, making it a popular choice among pet owners.

Does Spot cover pet exams?

Yes, Spot pet insurance covers pet exams, but it depends on the specific plan you choose. Most of its comprehensive plans include coverage for routine exams as part of its preventive care options, which you can add to your policy. Be sure to check the details of your specific plan to understand the extent of coverage for exams.

How we rated Spot pet insurance

We designed LendEDU’s editorial rating system to help readers find companies that offer the best pet insurance. Our system awards higher ratings to companies with affordable solutions, positive customer reviews, and online transparency of benefits and terms.

We compared Spot to several pet insurance companies, using hundreds of data points from company websites, public disclosures, customer reviews, and direct communication with company representatives. We weighted, scored, and combined each factor to produce a final editorial rating. This rating is expressed on a scale from 1 to 5, with 5 being the highest possible score. Our take is represented in our rating and best-for designation, recapped below.

Product	Best for	Our Rating
Spot pet insurance	Best for Selection of Terms	4.5/5