Spot Pet Insurance Review 2024

Spot offers both an accident and illness plan—which is the most common type of pet insurance plan that covers the widest range of problems—and an accident-only plan. You can also buy additional coverage for expenses related to wellness and preventative care. They are included in our list of best pet insurance. Spot does not offer an accident-only plan.

Spot’s Accident and Illness Coverage

If your pet gets sick or injured, Spot’s accident and illness plan covers treatment costs such as:

• Accidents such as poisoning or ligament sprains
• Illnesses such as ear infections
• MRIs and CT scans
• X-rays
• Surgeries
• Stem cell therapy
• Prescription medications
• Prescription food to treat a problem covered by your policy
• Supplements to treat a problem covered by your policy
• Medical supplies such as bandages, splints and casts
• Hospitalizations
• Treatment for behavioral issues
• Cancer treatment

Accident-Only Coverage

An accident-only plan covers expenses related to accidents such as a broken bone, a swallowed object and toxic ingestions. This includes costs related to diagnostics, hospitalizations, surgeries and medications.

Spot Pet Insurance Add-Ons

Spot offers two wellness and preventive care coverage options: Gold and Platinum. You can add either option to a Spot accident and illness plan for an additional cost.

Gold preventative care coverage

With this add-on, Spot will reimburse you up to $250 per year for preventive care expenses such as:

• Wellness exams
• Dental cleanings
• Vaccinations
• Fecal tests
• Canine heartworm test
• Feline FELV test
• Deworming

Platinum preventive care coverage

With this add-on, Spot will reimburse you up to $450 per year for preventive expenses. In addition to covering all of the Gold plan expenses, the Platinum plan will cover additional costs, including:

• Dental cleanings
• Spaying/neutering
• Bordetella vaccination for dogs
• Flea and heartworm prevention
• Blood tests
• Urinalysis
• Health certificate

Keep in mind, Spot applies a payout limit for every expense covered under each plan. For example, the Gold plan will only reimburse up to $50 per year for a wellness exam and the Platinum plan will only reimburse up to $25 per year for flea and heartworm prevention.

When your pet gets sick or injured, Spot’s accident and illness plan covers treatment and care-related costs. Expenses covered under this plan include:

• Accidents such as poisoning or ligament sprains
• Illnesses such as ear infections
• MRIs and CT scans
• X-rays
• Surgeries
• Stem cell therapy
• Prescription medications
• Prescription food to treat a problem covered by your policy
• Supplements to treat a problem covered by your policy
• Medical supplies such as bandages, splints and casts
• Hospitalizations
• Treatment for behavioral issues
• Cancer treatment
• Microchipping

Unfortunately, Spot’s accident and illness plan won’t cover every health-related expense. Some expenses excluded from coverage include:

• Pre-existing conditions
• Boarding and daycare
• Breeding, pregnancy, whelping or nursing
• Elective or cosmetic procedures
• Any illness or injury resulting from intentional, malicious or negligent activities
• Supplement and vitamins for preventative or general health maintenance

Pet insurance coverage typically doesn’t start until a certain amount of time passes after you enroll. This amount of time is known in the pet insurance industry as a waiting period, which begins on the start date of your policy. For example, Spot has 14-day waiting periods for accidents and illnesses.

Spot’s 14-day waiting period for accidents is not very competitive, considering some pet insurers have accident waiting periods that only last a few days. However, Spot’s 14-day waiting period for illnesses is typically what most insurance companies apply to pet insurance policies.

Some insurance companies also apply an extended waiting period for specific conditions such as cruciate ligament issues. Spot doesn’t apply any extended waiting periods to policies.

Compare Spot With Other Insurers

1

Paw Protect

Maximum annual coverage

$5,000, $10,000, Unlimited

Reimbursement choices

70%, 80%, 90%

Deductible choices

$100, $250, $500

1

Paw Protect

Compare Plans

Via PetInsurer.com's Secure Website

2

Embrace

Maximum annual coverage

$5,000, $8,000, $10,000, $15,000, Unlimited

Reimbursement choices

70%, 80%, 90%

Deductible choices

$100, $250, $500, $750, $1,000

2

Embrace

Compare Plans

Via PetInsurer.com's Secure Website

3

Spot

Maximum annual coverage

$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited

Reimbursement choices

70%, 80%, 90%

Deductible choices

$100, $250, $500, $750, $1,000

3

Spot

Compare Plans

Via PetInsurer.com's Secure Website

Maximum Annual Limit Options

Some pet insurance companies limit the amount the company will pay in total annual benefits. Spot offers a choice of several coverage caps:

• $2,500
• $3,000
• $4,000
• $5,000
• $7,000
• $10,000
• Unlimited

Deductible Options

A deductible is an amount you must pay for covered expenses before your policy begins reimbursing you for expenses. Spot offers several deductible options:

• $100
• $250
• $500
• $750
• $1,000

Reimbursement Options

The percentage of vet expenses a pet insurer will pay annually is the reimbursement level. Spot offers three options:

• 70%
• 80%
• 90%

Spot pet insurance costs an average of $48 a month, according to a Forbes Advisor analysis of pet insurance costs. That’s for $5,000 of annual coverage, a $250 deductible and an 80% reimbursement level. The average cost  of Spot pet insurance is $96 a month for unlimited annual coverage, a $250 deductible and a 80% reimbursement level.

Examples of Spot Pet Insurance Cost by Dog Breed

Dog breed	Average cost per month
Beagle	$46
Bulldog	$69
Dachshund	$36
French bulldog	$76
German shepherd	$46
Golden retriever	$55
Labrador retriever	$55
Mixed breed (large)	$46
Mixed breed (medium)	$39
Mixed breed (small)	$32
Poodle	$58
Rottweiler	$78

Source: Petinsurer.com. Costs are based on $5,000 in annual coverage with a $250 deductible and 80% reimbursement level.

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Spot Pet Insurance Price Comparison for Cats

Cat breed	Average cost per month
Abyssinian	$21
Bengal	$29
Bombay	$21
British shorthair	$32
Exotic shorthair	$28
Maine coon	$30
Mixed breed	$21
Persian	$31
Ragdoll	$21
Siamese	$21

Source: Petinsurer.com. Costs are based on $5,000 in annual coverage with a $250 deductible and 80% reimbursement level.

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There are two ways you can cut the cost of pet insurance with Spot, including:

• 10% discount for insuring more than one pet
• 10% group employee discount (if your company offers this benefit)

Spot pet insurance is available in all 50 states.

Company	Company - Logo	Forbes Advisor Rating	Forbes Advisor Rating	Reimbursement choices	Deductible choices	Learn More CTA text	Learn more CTA below text	Learn more
Pets Best		5.0		70%, 80%, 90%	$50, $100, $200, $250, $500, $1,000	Compare Plans	Via PetInsurer.com's Secure Website
Embrace		4.5		70%, 80%, 90%	$100, $250, $500, $750, $1,000	Compare Plans	Via PetInsurer.com's Secure Website
Paw Protect		4.5		70%, 80%, 90%	$100, $250, $500	Compare Plans	Via PetInsurer.com's Secure Website
Fetch		4.0		70%, 80%, 90%	$300, $500, $700	Compare Plans	Via PetInsurer.com's Secure Website
Figo		4.0		70%, 80%, 90%, 100%	$100, $250, $500, $750, $1,000, $1,500	Compare Plans	Via PetInsurer.com's Secure Website
Healthy Paws		4.0		50%, 60%, 70%, 80%, 90%	$100, $250, $500, $750, $1,000	Compare Plans	Via PetInsurer.com's Secure Website
Lemonade		4.0		70%, 80%, 90%	$100, $250, $500, $750	Compare Plans	Via PetInsurer.com's Secure Website
Spot		4.0		70%, 80%, 90%	$100, $250, $500, $750, $1,000	Compare Plans	Via PetInsurer.com's Secure Website

Reimbursement and deductible choices may vary by state.

The types of benefits and waiting periods will vary depending on your pet insurance company. For example, Spot pet insurance has no waiting period for certain conditions such as hip dysplasia or cruciate ligament issues. But Healthy Paws and Pets Best both have extended waiting periods.

Spot Pet Insurance vs. Healthy Paws Pet Insurance

Rating and coverage details	Spot pet insurance	Healthy Paws pet insurance
Forbes Advisor rating
Accident coverage waiting period	14 days	15 days
Illness coverage waiting period	14 days	15 days
Special waiting periods	None	12 months for hip dysplasia; coverage for hip dysplasia not available for pets age six or older at time of enrollment
Pays for the vet exam fee?	Yes	No
Optional wellness plan available?	Yes	No
24/7 vet helpline available?	Yes	Yes

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Spot Pet Insurance vs. Pets Best Pet Insurance

Rating and coverage details	Spot pet insurance	Pets Best pet insurance
Forbes Advisor rating
Accident coverage waiting period	14 days	3 days
Illness coverage waiting period	14 days	14 days
Special waiting periods	None	6 months for cruciate ligaments, 14 days for hip dysplasia
Pays for the vet exam fee?	Yes	Included
Optional wellness plan available?	Yes	Yes
24/7 vet helpline available?	Yes	Yes

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Spot Pet Insurance vs. Trupanion Pet Insurance

Rating and coverage details	Spot pet insurance	Trupanion pet insurance
Forbes Advisor rating		N/A
Accident coverage waiting period	14 days	5 days
Illness coverage waiting period	14 days	30 days
Special waiting periods	None	None
Pays for the vet exam fee?	Yes	No
Optional wellness plan available?	Yes	No
24/7 vet helpline available?	Yes	No

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You can cancel your Spot pet insurance policy by calling (888) 501-7768.

Spot Pet Insurance is underwritten by the United States Fire Insurance Co., which began writing pet insurance in 2006. Spot offers pet owners a robust pet insurance plan as well as resources such as telehealth.

To find the best pet insurance we used data provided by PetInsurer.com to score each pet insurance company based on the following:

Pet insurance rates (40% of score): We calculated average rates for medium sized mixed breed dogs age 3 months, 2 years, 5 years and 7 years for plans with unlimited coverage, a $250 deductible and a 80% reimbursement level, or the closest options available.

Special waiting period (10% of score): Many pet insurance companies have a special waiting period for problems such as cruciate ligament issues and hip dysplasia. Plans that had no waiting period, a waiting period of fewer than six months or the ability to have the waiting period waived scored higher.

Direct payment to vet (10% of score): Pet insurance companies that have the ability to pay a vet directly earned points.

24/7 vet health line (10% of score): Insurers that provide access to a 24/7 vet health line scored in this category.

Routine wellness plans (10% of score): Insurers that offer optional wellness plans earned points.

Pays veterinary exam fees (10% of score): Not all insurers cover exam fees, even if the fee is for an illness or accident-related visit. Plans that cover the vet exam fee scored in this category.

Euthanasia or end of life expenses (5% of score): Insurers that cover end of life expenses, such as euthanasia, cremation or burial fees, scored in this category.

Multipet discount (5% of score): Many pet insurance companies offer a discount if you insure more than one pet. Insurers that offer a multipet discount earned points.