Hepper is reader-supported. When you buy via links on our site, we may earn an affiliate commission at no cost to you. Learn more.

Spot Pet Insurance Review 2023: Pros, Cons, Coverage, & Verdict

Chelsie Fraser

By Chelsie Fraser

spot insurance hepper

In This Review: Our Review | Pricing | Deductibles & Claims Coverage | FAQ | Conclusion

With the rising costs of veterinary care, pet insurance is becoming an increasingly popular way for owners to ensure that their pet’s healthcare needs are met. Pet insurance can provide you with the reassurance that your pet’s vet bills will be covered in the event of an accident or illness without causing financial distress. Spot pet insurance has flexible plans and customizable coverage to suit your needs.

Read on for more information about Spot’s coverage, pricing, and the pros and cons of its pet insurance policies.

Our Final Verdict

We give Spot Pet Insurance a rating of 4.5 out of 5 stars.

Spot Pet Insurance Review

  • No age limit for enrollment
  • 30-day money-back guarantee
  • Covers exam fees
  • Options for unlimited coverage
  • Multi-pet discount
  • More expensive monthly premiums than most other companies
  • Limited customer service availability

Other Top-Rated Pet Insurance Companies

Best Wellness Plans
Our rating: 4.1 / 5
Best for Direct Payments
Our rating: 4.0 / 5
Best Holistic Coverage
Our rating: 4.5 / 5

About Spot Pet Insurance

Spot Pet Insurance was founded in 2019 and is one of the leading pet insurance providers in the United States. The company is headquartered in Miami, FL.

Spot Pet Insurance offers a wide range of coverage options for dogs and cats. These include accident only, accident and illness, and wellness. Spot Pet Insurance also has a variety of deductibles and co-pays to choose from.

One of the great things about Spot Pet Insurance is that it offers many types of discounts. These include multi-pet, military, and loyalty discounts. It also has various payment plans available.

Overall, Spot Pet Insurance is a great option for pet owners looking for quality coverage at an affordable price.

Find The Best Insurance Companies in 2023

Pricing & Plans (Updated in 2023)

Pet Insurance Cost Comparison

Company Sample Monthly Cost for Dogs Sample Monthly Cost for Cats Learn More
Lemonade $19.44 $11.00 Get Quote
Spot $36.54 $16.51 Get Quote
Wagmo $70.12 $30.88 Get Quote
Trupanion $29.70 $12.22 Get Quote
Fetch $26.89 $11.93 Get Quote

Base Policy

Spot Pet Insurance offers two different basic policies: an accident-only plan and an accident/illness plan.

  • Accident-only plan: Covers eligible expenses for accident-related injuries like broken bones or poison ingestion
  • Accident/Illness plan: Covers all expenses outlined in the accident-only plan, plus behavioral issues, hip dysplasia, dental disease, and other chronic conditions
Both of these plans cover costs for the following:
  • Diagnostic testing, including X-rays, MRIs, lab tests, and exam fees
  • Medications and medical supplies
  • Certain procedures, including emergency surgery, tooth extraction, microchipping, hospitalization, and end-of-life expenses
  • Prescription food
  • Poison control consultations


Preventative Care Plan Options

Spot pet insurance has two preventative care plan options. Each has a different coverage limit and price. Here is an outline of what these two plans offer.

Coverage Gold Preventative Care Plan Platinum Preventative Care Plan
Wellness Exams $50 $50
Dental Care $100 $150 (can be used for spay/neuter surgery instead of dental cleaning)
Vaccines $40 $75
Health Certificates Not covered $25
Blood Tests Not covered $25
Heartworm and Flea Prevention Not covered $25
Heartworm Testing $20 $25
Urinalysis Not covered $25
Deworming $20 $25
Fecal Testing $20 $25
Total Annual Coverage $250 $450

Other Customization Options

Annual limit: $2,500–Unlimited
Reimbursement: 70%, 80%, or 90%
Annual deductible: $100–$1,000

Spot Price Comparison for Dogs

Yorkshire Terrier Golden Retriever
Male or Female Male Male
Age 4 yrs. 4 yrs.
Location Los Angeles Los Angeles
Reimbursement Level 80% 80%
Annual Deductible $500 $500
Annual Max $5,000 $5,000
Price per month $30.58 $48.10
Breed Under 1 Year Old** 5 Years Old**
Medium Mixed-Breed Dog $68.88 $68.88
Golden Retriever $59.10 $59.10
Domestic Shorthair Cat $36.61 $36.61

**This pricing represents pricing for the accident and illness plan with unlimited coverage.

Deductibles & Claims

All Spot pet insurance plans have annual deductibles ranging from $100 to $1,000. Once you have reached your annual deductible amount, you can start receiving reimbursement. The annual deductible is reset each calendar year. Consider the following when choosing your deductible:

  • High deductibles come with low monthly premiums
  • Low deductibles come with high monthly premiums
% of Medical Expenses
  • 70%
  • 80%
  • 90%
Annual Deductible Options
  • $100 to $1000
Maximum Coverage Options
  • $2,500
  • $4,000
  • $5,000
  • Unlimited

What Does Spot Cover?

Spot covers expenses related to accidents and illnesses, along with several therapies not included in many other plans.

Exclusions to Spot coverage include daycare and boarding costs and non-FDA-approved treatments.

Coverage Item Annual Limit
Wellness Exam $50
Heartworm Test $25
Bloodwork $25
Prescription Diet Up to maximum annual coverage limit
Behavioral Therapy Up to maximum annual coverage limit
Microchipping One time coverage
  • Diagnostic testing
  • Medications
  • Medical supplies
  • Tooth extraction
  • Surgery
  • Hospitalization
  • Microchipping
  • Alternative therapy
  • Stem cell therapy
  • End-of-life expenses
  • Prescription food
  • Poison control consults
  • Behavioral issues
  • Dental disease
  • Hip dysplasia
  • Intervertebral disk disease
  • Hereditary and congenital disease
  • Cancer
  • Respiratory infections
  • Diabetes
Not Covered
  • Pre-existing conditions
  • Elective or cosmetic procedures
  • Anal gland expression
  • Pet boarding
  • Funeral services
  • Breeding or pregnancy
  • Grooming
  • Herbal remedies

Pre-existing Conditions

Pre-existing conditions are not covered by Spot insurance. These are defined as a condition that occurs before receiving coverage or that is diagnosed while in the waiting period for coverage. Recurring conditions that were previously cured and symptom free for 180 days prior to insurance coverage are covered by Spot, with the exception of knee or ligament issues.

Waiting Periods

The waiting period for coverage with Spot pet insurance is 14 days from the time that you submit your application.

Reviews From Customers

Spot customer reviews rate the company as excellent overall.

Here are a few of the things that they have to say:
  • It has exceptional customer service.
  • The claims process is easy to understand and hassle free.
  • Spot has fast reimbursement.
  • Claims are processed quickly.


How much is Spot pet insurance?

The rates for pet insurance vary greatly depending on your location, your pet’s breed, and their age. Spot has flexible pricing options that can decrease your premiums based on your choices. The average monthly premium cost of Spot pet insurance for dogs is $30–$50 and $18–$25 for cats. This price is based on an 80% reimbursement rate, a $500 deductible, and a $5,000 annual coverage limit.

What is the waiting period for Spot insurance coverage?

Spot has a 14-day waiting period for accident-and-illness coverage. Any accident or illness that occurs within these 14 days is not eligible for coverage.

What advantages does Spot have over other pet insurance companies?

Spot has numerous customization options for its policies, including an unlimited payout limit. Its comprehensive wellness plans cover many things that other companies don’t, such as spay/neuter surgery, vaccinations, and behavioral training. Spot also has no maximum age limit for enrollment, so you can enroll older pets.

Does Spot cover veterinary exam fees?

Most of the time, yes, these fees are covered by Spot pet insurance. Accident-and-illness plans cover veterinary exam fees related to a diagnosis or treatment that is covered under your plan. You will not be reimbursed for wellness exams unrelated to accidents or illnesses.

Preventative care plans cover wellness exams and routine care if they are listed under your plan.

How are claims filed with Spot?

There are two ways to submit an insurance claim to Spot.

  • A claim can be submitted through Spot’s mobile app by uploading a photo of your receipt.
  • Receipt photographs can be sent through the online portal on Spot’s website.

It’s important to note that Spot does not offer direct payment to your veterinarian. You will be required to pay for treatment and then send your claim to Spot for reimbursement.

Find The Best Insurance Companies in 2023

Our Verdict

If you’re looking for affordable pet insurance with many customization options, Spot is a good choice. It covers many unique fees, including microchipping, prescription food, behavioral training, and exam fees. However, Spot’s monthly premiums are higher than most other companies, so it may be worth getting multiple quotes from different companies. Our review of Spot gives it an overall rating of 4.5/5. It provides quality coverage, excellent customer service, and fast reimbursements.

  • Hepper acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.

Related Articles

Further Reading

Vet Articles

Latest Vet Answers

The latest veterinarians' answers to questions from our database