Spot Pet Insurance Review

Spot Pet Insurance

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At a Glance

Spot Pet insurance is a prominent pet insurance company that falls under the United States Fire Insurance Company, an institution that underwrites and issues insurance policies.

In summary, Spot Pet Insurance presents itself as a viable option for pet owners seeking affordable coverage combined with user-friendly accessibility. However, it’s crucial for pet owners to thoroughly review the policy terms and conditions to gain a comprehensive understanding of what is covered and what isn’t.

Spot Pros

  1. Competitive Rates: Spot offers competitive rates, making pet insurance accessible to a wider range of pet owners.

  2. Customizable Plans: Pet owners have the flexibility to tailor their coverage to suit their pet’s needs and budget.

  3. User-Friendly Website and App: Spot provides an easy-to-navigate website and a user-friendly mobile app for a seamless customer experience.

  4. Quick Claims Process: The company boasts a quick and efficient claims process, ensuring prompt reimbursement for eligible expenses.

  5. Good Customer Service: Spot Pet Insurance is known for its responsive and helpful customer service.

Spot Cons

  1. No 24/7 Vet Helpline: Unlike some competitors, Spot does not offer access to a 24/7 vet helpline for immediate pet health concerns.

  2. Coverage for Vet Visit Fees: Coverage for vet visit fees is only available as an add-on, which may result in additional costs for pet owners.

  3. Breed-Related Premiums: Certain breeds may be subject to higher premiums, so it’s essential to consider this when choosing a plan.

  4. Waiting Periods: Spot has relatively longer waiting periods, with a 14-day waiting period for accidents and a 21-day waiting period for illnesses. Prospective customers should factor these into their decision-making process.

Additional Considerations:

  1. Waiting Periods: Spot’s waiting periods for accidents (14 days) and illnesses (21 days) should be taken into account when selecting a plan.

  2. Preexisting Conditions: Spot does not cover preexisting conditions, but it does provide coverage for “curable” preexisting conditions after a 12-month waiting period.

  3. Add-Ons: Spot offers various add-ons, including coverage for vet visit fees, dental care, and alternative care, which can be customized to suit your pet’s specific needs.

Spot Pet Insurance

Key Benefits

Today, to the liking of many, Spot Pet Insurance is present in all 50 states in the US. This insurance company is known for taking good care of your pets in case of emergencies, from both accidents and illnesses, without breaking the bank.

Like most pet insurance companies, Spot covers almost everything, from top to bottom, including surgery, medications, skincare, and more. The insurance policy at Spot covers cats and dogs, with assorted plans at different costs.

Spot gives you plenty of ways to adjust your benefit levels so that you may fit pet insurance straight into your budget.

In this brand new review on Spot Pet Insurance, we will cover all the insurance plans, waiting periods, pricing, and everything in between.

Let’s see how can Spot contribute to your pet’s wellbeing.

Spot’s Insurance Types

Spot offers two insurance plans for pets, with the first one going for cats and the second one for dogs. Although, at first sight, it might sound like one insurance is enough for both species, that’s not the case. Cats require different treatments, such as skincare and medicine, while dogs are a story of their own.

Let’s have a closer look at each of the two insurance plans offered by Spot. 


Cats are known to be trouble-makers, no less than dogs. Although cats suffer fewer injuries or illnesses than dogs, they still need to be insured with some policy, as accidents can always occur. 

Like all the policies, the insurance for cats comes with customizable options. If you choose to provide insurance for your cat, these are the following options you’ll get:

  • Coverage of accidents;
  • Hereditary conditions;
  • Chronic issues;
  • Pet Illnesses;
  • Problems with behavior;
  • Alternative therapies

Spot for cat insurance benefits includes a 10% discount on all additional pets added to the policy, reimbursement and deductible rates, and annual customizable limits. The last offer for cats insurance is the Preventive Care option to add in plans for an extra cost.


Same as the cat insurance above, the dog plan comes with the same options. The one missing thing is the 10% discount on all additionally added pets, but everything else remains the same. The dog insurance comes with a 30-day money-back guarantee, therapeutic diets and dietary supplement cover, and microchips on your dog.

What Is Covered by Spot Pet Insurance?

Spot pet insurance covers all treatment and care-related costs. When your pets get injured or sick, Spot will cover all of the following features in the insurance policy:

  • X-rays;
  • Cancer treatment;
  • Hospitalization;
  • Microchipping;
  • All surgeries;
  • Illnesses (ear infections, nail infections, etc.)
  • Accidents (injuries, poisoning, etc.)
  • CT and MRI scans;
  • Prescription medications;
  • Medical supplies (bandages, casts, splints, etc.)
  • Prescription food to treat a problem covered in the policy;
  • Supplements for treatment covered by the insurance plan;

That is the list of all features that one Spot pet insurance plan will cover. Of course, you can add more to the plan for an extra cost, but that’s an individual choice. By the looks of it, Spot’s insurance covers almost anything, with a few exceptions.

Now, let’s look at the features that Spot pet insurance won’t cover in any of their insurance policies.

What Is Not Covered?

Unfortunately, there are a few aspects of a pet’s wellbeing that Spot’s insurance won’t cover. The following few expenses are not included in the health-related plan:

As you might’ve noticed, Spot does not cover only six features, as everything else is already included in the plans. Most of the excluded features of the plan are either pre-existing or intentional, caused on purpose.

Pros & Cons of Spot Pet Insurance

Although Spot pet insurance checks all the right boxes for your feline or canine companion, there are some drawbacks to have in mind. 

After thorough research, we’ve managed to find the following pros:

  • It doesn’t have an age limit for any animal;
  • Low $100 deductible on offer;
  • 10% discount on multiple pet plans;
  • A 30-day money-back guarantee;
  • Covers all vet visits and exams;
  • Includes the coverage of microchips;
  • 24/7 telehealth line on disposal;
  • Optional pet wellness plan available;
  • Provides an unlimited annual range;
  • It comes with an app

There isn’t a pet insurance company that will cover absolutely every angle on pet insurance. Spot’s insurance comes with a few setbacks like any other on the market today.

Here are the disadvantages of Spot pet insurance:

  • Only 14-day waiting period on accidents;
  • No weekend customer service available;
  • Premiums are more expensive than average

As you might’ve noticed, there aren’t many cons associated with Spot Insurance. The main issue with Spot’s insurance is the 14-day waiting period, compared to its competitors that offer 2 or 3 days waiting period, which is significantly less than what Spot is offering.

Before you decide to buy a Spot pet insurance plan, read the pros and cons, and see what options work best for you.

Spot Pet Insurance

24/7 Telehealth Line

10% Discount

Covers All Vet Visits

30-day Money-Back

Unlimited Annual Range

Additional Plans

Spot’s pet insurance offers two additional plans besides the regular Gold and Premium plan coverages. These plans are for accident-only and an accident & illness combo.

The pet accident-only coverage plan is the cheapest on the offer, and it covers all accidents such as swallowed objects, injuries, toxic ingestions, etc. This is more or less the basic plan offered by Spot.

The accidents and illness combo plan covers the previous package’s incidents with additional benefits. These benefits include dental diseases, behavioral issues, hip dysplasia, diabetes, heart problems, etc. This plan is the most comprehensive offer from Spot Insurance, and understandably, it will cost more than the previous plan. This is an appropriate option for those that want full insurance for their pet, whether it experiences an illness or an accident.

Routine Care Coverage

Spot’s pet insurance will cover many aspects of pets’ well-being, and routine care coverage is one of those options. This particular pet insurance provider offers two preventive care and wellness options for its policyholders. The Gold and the Platinum coverage plans are Spot’s superstars that come with their own unique sets of benefits. You may add each option to your illness or accident plan for an extra cost.

Now, let’s look at both routine care coverage plans and their features.

Gold Preventive Care Coverage

The Gold preventive care coverage is for all ‘golden’ users of Spot insurance. This particular care package will reimburse you up to $250 yearly and will cover the following features:

  • Pet Dental checks;
  • Deworming;
  • Canine heartworm test;
  • Fecal tests;
  • Wellness checks;
  • Feline FELV tests;
  • All vaccinations

Platinum Preventive Care Coverage

The Platinum preventive care coverage is the improved and more expensive version of the Gold care package. If you opt for Platinum coverage, you can expect tons of benefits and features – Spot will reimburse you up to $450 per year for preventive costs. 

Here’s what you’ll get as Spot’s Premium policyholder: 

  • Blood tests;
  • Health certificate;
  • Dental checks;
  • Urinalysis;
  • Flea and heartworm prevention;
  • Neutering and spaying;
  • Bordetella vaccinations for dogs

Now, before you head out to get one of these two preventive care coverages, there is something you need to know – Spot Insurance will apply a payout limit for every expense covered by the two plans, no matter which one you choose. As an example, the Gold one will only reimburse you $50 per year for a wellness exam, while the Platinum version will reimburse you up to $25 for heartworm and flea prevention.

Spot Pet Insurance Pricing

Spot’s pet insurance comes with flexible pricing options, and it’s among the cheapest insurance policies on the market today. Furthermore, the Gold and the Premium coverage plans also come at an affordable price. For instance, becoming a Gold policyholder will cost you $9.55 per month, while being a Platinum member, on the other hand, will set you back $24.95 per month.

Spot’s pet insurance pricing is based on the breed and its age. For example, insuring a medium-sized dog will cost around $41.36 for the accidents-only plan, with unlimited coverage.

The pricing offered by Spot’s pet insurance comes with various coverage limits – some of them starting at $500, with an annual deductible of 80% refundment.

The lowest price for dog insurance is $17 per month. Every insurance policy offered by Spot is customizable to your own needs, and you can set your own limits, deductibles, and everything else. If you’re in doubt, feel free to ask for a quote on the site – the administrators will be happy to help you.

Waiting Periods on Coverage

You need to bear in mind the waiting period included in the coverage plan, no matter who’s your pet insurance provider. The pet insurance waiting period varies from company to company. Some pet insurance companies tend to offer a couple of weeks waiting period, while others will last for just a few days.

When talking about Spot’s pet insurance, the coverage waiting period is set to 14 days, which is slightly higher than what other pet insurance companies offer. The insurance coverage usually won’t kick in until a specific time has passed. The time before the insurance starts is called the waiting period, and it begins on the start date of your policy.

The 14-day waiting period is one-sided and not very competitive compared to other insurance companies. Some will deliver your pet insurance after 2-3 days of waiting, but most companies practice the 14-day waiting period for illnesses and accidents.

Other insurance companies are known to apply extra days on waiting periods, but Spot is not among them. The additional waiting coverage is for specific conditions, such as ligament problems.

Spot Coverage Limits

The Spot coverage levels can be split into three stages: maximum limit options, deductible options, and reimbursement options. Some pet insurance companies can limit the amount the company will pay in total annual benefits. For this reason, Spot offers a couple of coverage tiers:

  • $2,500 – This is the most common Accidents-Only benefit coverage limit;
  • $4,000 – The annual benefit is a total of annual coverage by Spot; 
  • $5,000 – The benefit is available for accidents-only, with more advantages than the previous one;
  • $7,000 – The annual sum for a coverage limit that covers accident and illness plans;
  • Unlimited – The unlimited coverage contains both Accidents-only and Accidents and Illness plans, with preventative care. 

A deductible is an amount you must pay with your own money before the coverage policy starts to reimburse you for the expenses. Spot offers five different deductible options: $100, $250, $500, $700, and $1.000. This means that you must pay one of the given options from your wallet towards veterinary expenses before the pet insurance kicks in and starts reimbursing you. 

The reimbursement options at Spot are the percentage of vet expenses the insurer will pay annually on reimbursement levels. Spot offers three options for this feature: 70%, 80%, and 90%. The deductibles become active once you hit the annual deductible, and only then can you start to receive reimbursement for vet visits and approved pet insurance claims.

Spot Pet Insurance

How to Save Money With Spot Pet Insurance?

The money-saving feature is an important one in this business. Spot’s pet insurance offers two options for you to consider when saving money. The first is the already mentioned 10% discount on multiple pet plans in the insurance policy.

The second one is a 10% group discount.

The best way to save money with Spot’s pet insurance is to formulate your plan with the customization options offered by Spot. You can adjust the plan to your needs and save yourself some cash.


When speaking about availability, Spot’s pet insurance is available in all 50 states in the US. Nonetheless, policy details may vary based on your area. You can get a quote from their website by entering your ZIP area code, and you will receive information based on your location.

Is Spot Insurance Worth it?

Although there isn’t a single correct answer to this question, most users will say yes. Spot’s pet insurance can come in handy in many situations. 

You already know how expensive owning a pet can be, especially when they injure themselves and will require medication, or surgery, even. This is the main reason why Spot Pet Insurance is worth having, as it covers most of your expenses. Should your pet need surgery, Spot has that covered, or if it needs medications, Spot is right there with you.

From what we’ve discovered while doing research, Spot’s pet insurance is worth every penny. The best feature is the customizable plan, which you can adjust to your preferences, thus saving you some money. Secondly, there is a multiple pet discount of 10% on every policy, which is great if you’re a pet parent of more than one pet.

The only problem you might face by getting a Spot Pet Insurance policy is the waiting period. Unlike other pet insurance companies, which have around 2 to 3 days of waiting time, Spot’s pet insurance will kick in only after 14 days of signing up.  

The Final Verdict

In a nutshell, Spot’s pet insurance is a pretty good insurance company to consider for your furry friends, since it offers multiple pet coverage plans that you can adjust to your needs. 

The Gold and Platinum plans are the best deals you can find at Spot Pet Insurance, as they offer coverage on the most common issues with pets, both cats and dogs.  

Even with the long 14-day waiting coverage period, Spot’s pet insurance can be a helping hand. Your pet shall always be protected from any illnesses and accidents, as Spot is on the spot, covering it all.

Spot Pet Insurance Alternatives

To find the best Spot Pet Insurance alternative for you, it’s important to compare the plans offered by different companies.

Consider your budget, your pet’s age and health needs, and the type of coverage you’re looking for. You can also read reviews of different pet insurance companies to get a better sense of their customer service and claims process.

Spot Pet Insurance alternatives:

  • Embrace Pet Insurance – Better coverage, with a focus on preventive care.
  • Figo Pet Insurance – More customizable plans, with a wide range of coverage options to choose from.
  • Healthy Paws Pet Insurance – Better rates, especially for older pets and pets with pre-existing conditions.
  • MetLife Pet Insurance – Quicker coverage for unexpected accidents.
  • Lemonade Pet Insurance – Better overall value, with a unique Lemonade Care policy that offers a lower premium and a higher reimbursement rate.
  • Pets Best Pet Insurance  – Cheaper rates, especially for young pets and pets with no pre-existing conditions.
  • Pumpkin Pet Insurance – Best for accident and illness coverage, with a focus on sudden onset illnesses and injuries.
  • Trupanion Pet Insurance – Best for lifelong coverage, with no annual or lifetime limits on benefits.
  • ASPCA Pet Insurance – Best for pet parents who want to support a good cause, with a portion of every premium donated to the ASPCA.
  • Nationwide Pet Insurance – Best for pet parents who want a variety of coverage options to choose from, including wellness plans, multiple pet discounts, and pre-existing condition coverage.

These companies offer a variety of pet insurance plans with different coverage levels and premiums. Some companies also offer additional benefits, such as wellness coverage, multiple pet discounts, and pre-existing condition coverage.

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