Spot Pet Insurance Review

Founded in 2019, Spot is a pet insurance provider that offers comprehensive accident and illness, accident-only, and preventative care plans for cats and dogs. Once coverage kicks in, which takes 14 days, you can expect most covered claims to be paid out within two weeks at the latest. Spot also has no restrictions on pet age, which is great for older pets in more compromised health conditions.

We’ll get even more into the details below. So, keep reading to learn more about Spot’s pet insurance plans.

Pros and Cons of Spot



What Does Spot Offer?

Spot offers pet insurance for cats and dogs. They have plans that can help pet owners offset the costs associated with pet accidents, illnesses, chronic conditions, and more. If you don’t need extensive coverage, then you can also opt for their more specialized accidents-only plan. You can also add preventative care coverage onto any plan.

Here are some details from the Spot website:


No matter how old your pet is, you can get coverage through Spot. However, Spot does recommend signing up your pet as early as possible (as long as they’re at least eight weeks old). The thinking behind this is that the longer you wait, the more likely your pet is to develop a pre-existing condition not covered by insurance.

How Do Claims Work?

There’s a 14-day waiting period before your coverage kicks in. If the unfortunate case that your pet develops a condition during this time, it won’t be covered. But once your coverage begins, getting reimbursed is as simple as visiting any US-licensed vet for a covered condition and submitting a claim with an itemized receipt from that vet on Spot’s website. Unless a medical record is needed (and Spot will reach out to let you know if this is the case), that’s it! It’s then only a matter of waiting for your claim to pay out, which takes an average of 10-14 days.

What To Expect on the Site

Spot provides free quotes in 30 seconds on their website. Start the quick process by clicking on the “Fetch Free Quote” button. In addition to basic contact information, Spot asks for a handful of details about your pet, including:

Then, Spot takes you to the next page which shows your coverage options as well as pricing. At this point, you can customize the details of your coverage. Select your annual limit (from $2,500 to unlimited), reimbursement level (from 70% to 90%), and annual deductible (from $100 to $1,000). When you’re done specifying the specifics of the coverage you want, click on the “Checkout” button to enter your billing information. After that, Spot makes it easy to manage your entire account on their website.


Your cost will depend on many factors, including your pet’s age, breed, location. Additionally, the plan, deductible, and reimbursement percentage you choose all impact pricing. That said, as a ballpark, pricing can range between $14 to $70 for their basic accident and illness plan. With a 10% discount available for each additional pet you cover under your plan, this range can fluctuate even more. But you can get a better idea of how much coverage will cost, complete their free online quote process.

If you want to cancel your plan within 30 days and haven’t had a claim covered, then Spot will provide a full refund of the premium amount.

What People Are Saying About Spot

Spot has earned an excellent reputation on Trustpilot. As of November 2021, the company has a score of 4.3 out of 5 stars. The impressive score is based on opinions from customers:

Spot is also accredited by the Better Business Bureau and has a customer score of 4.5 out of 5 stars on the BBB website.

The Bottom Line

Spot offers all of the coverage you need to keep your furry friends safe and happy. Cover all your bases with a comprehensive accident and illness plan or save money with a more specialized accident-only plan. You can even prevent conditions from developing through their extended preventative care add-on. Since Spot doesn’t have upper age restrictions, it could be a good option for those with aging pets. It also offers a multi-pet discount, so those looking to cover multiple pets may also want to consider Spot when comparing top pet insurance companies.