Spot Pet Insurance Review
Spot Pet Insurance lets you customize your pet's coverage, making it easy to find a policy that fits your budget.
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Spot Pet Insurance
What we like:
Flexible plans let you customize your premium
| Age Restrictions | 8 weeks or older |
| Reimbursement rate | 70%, 80%, or 90% |
| Deductible | $100, $250, or $500 |
| Benefit Limit | $2,500, $4,000, $5,000, $7,000, $10,000, or unlimited |
If you own a pet, you know how important it is to keep your family member under great care. Sometimes, this care can lead to a flurry of added costs. Because of this, many pet owners have turned to pet insurance to help cover the costs of expected or unexpected veterinary care.
Spot Pet Insurance is one of our top choices for covering your pet. The team at Spot has partnered with Cesar Millan, a well-known dog behaviorist, to not only offer financial protection for your pet, but to help create a world of healthier pets and happier owners.
In this review:
- Spot Pet Insurance: At a glance
- How much does Spot cost?
- What does Spot cover?
- Pros and cons
- How to get a Spot policy
Spot Pet Insurance: At a glance
| Spot Pet Insurance | |
| Eligible breeds | All |
| Eligible ages | 8 weeks – No limit |
| Maximum benefit | $5,000 – Unlimited |
| Reimbursement amount | 70% – 90% |
| Deductibles | $100 – $500 |
| Medical exam required? | No |
| Ready to apply? | View Rates |
Spot Pet Insurance offers highly flexible insurance policies, letting pet owners customize the type of coverage their pet receives and the cost of the plan. You can sign up for a plan that covers all care, including regular checkups, or only unexpected illness or injury.
One nice perk of working with Spot Pet Insurance is that it doesn’t cap your benefit. Some insurance companies will only provide benefits until you reach a maximum payout. Spot doesn’t have any per-incident or lifetime caps.
How much does Spot cost?
The price for Spot pet insurance varies based on a variety of factors, including the breed of your pet and their age.
The cost of a policy also varies with the level of coverage that you select. For example, coverage for a three-year-old male cockapoo with a $250 deductible, 80% reimbursement, and a $5,000 annual limit costs $49.94 per month.
Reduce the deductible to $100 and up the reimbursement to 90%, and the cost increases to $67.65 per month. If you up the deductible to $500 and drop reimbursement to just 70%, the cost falls to $37.82. Premiums for a cat of the same age run from $18.31 to $34.06 per month.
You can also save money by opting for accident-only coverage, which doesn’t cover things like regular checkups. The ability to customize the policies makes it easy to find one that fits your monthly budget.
What does Spot cover?
Spot Pet Insurance can cover almost anything from regular vet visits to accidents that require significant care. The company offers a list of some of the treatments its plans cover, including:
- MRI or CT scans and X-rays
- Poison control consultation fees
- Prescription medications
- Surgery and hospitalization
- Medical supplies (such as, but not limited to, bandages, casts, and splints)
- Cancer treatments
- Treatment for behavioral problems
- Microchip Implantation
To get coverage for checkups, you’ll need to select that option when applying for a policy.
Some of the things that Spot Pet Insurance does not cover include:
- Pre-existing conditions
- Conditions occurring within the policy waiting period(s)
- Non-FDA treatment or supplements
- Pet diets
- Daycare/boarding
The company’s accident-only coverage kicks in if your pet is in an accident or it suffers an unexpected injury. It doesn’t cover costs related to illnesses, pregnancy, or negligence.
Pros & cons of Spot Pet Insurance
Pros
- Customizable policies
- Discount for multiple pets
- No age limit
- 30-day money-back guarantee*
- Visit any licensed veterinarian
Cons
- Only covers cats and dogs, no exotic pets
- Different policy options can make it hard to figure out what is covered
- Does not cover prescription food
*If no claims have been submitted. Not available in NY.
How to get a Spot policy
There are a few things to know about signing up for a Spot Pet Insurance policy.
Eligibility information
Spot makes it easy for you to insure any pet. There are no breed restrictions, and you can insure your pet any time after they’re eight weeks old. However, your premium may increase as your pet gets older or develops a health condition, so it’s often cheaper to insure them while they’re young.
There is no medical exam requirement, but you will have to send your pet’s vet records to the company as part of the application process. You can sign up from anywhere in the US.
How to apply
- Start by visiting Spot Pet Insurance’s website and clicking “Get a Quote.”
- Fill out your pet’s details, including their name, breed, and age.
- Provide your information, including your e-mail address and ZIP code.
- Select a plan, including the annual limit, deductible, reimbursement amount, and add-ons like routine care coverage.
- Provide your billing information.
- The insurer will contact you to ask for medical records and begin the fourteen-day waiting period for coverage to start.
Where to find alternatives to Spot
Even though Spot is one of our highest-rated companies, it isn’t the only pet insurance provider on the market. There are many other companies that can help you care for your pet, so you might want to compare them all to get the best deal.
If you’d like to compare options, you can use our guide to the best pet insurance. If you want to compare real quotes to see who is most affordable, you can check out our cheap pet insurance guide.
We’ve also created some one-on-one comparisons that you can check out. Here’s our Spot vs. Pumpkin, Spot vs. Healthy Paws, and Spot vs. Trupanion comparisons.
Ready to take out Spot Pet Insurance? Check out its website.
Deductible
$100 – $500
Reimbursement
70% – 90%
Benefit Limit
$5,000 – Unlimited