Spot Pet Insurance Review

Spot may be best for digital natives who prefer applying for and managing pet insurance policies online. The company also stands out for custom policy options.

Written by Andrew Pentis / October 29, 2022
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Products featured in this article are independently selected by our team of writers. If you make a purchase using links on this page, SoundDollar will earn an affiliate commission.

Quick Bites

  • Spot won Sound Dollar’s “best pet insurance for cats” category as part of our review.
  • Spot is a digital-first pet insurance company known for its policy customization, including the option of accident-only coverage.
  • Like other pet insurers, the company has many notable pros and cons, including that fact that it offers 24-7 help from veterinary experts, though it’s slower than it could be to get a human on the phone.
  • Spot offers supplementary coverage options if you want routine care rolled into your pet insurance policy.
  • This provider could be good for a variety of pet owner situations, but it’s always wise to shop around first.

Spot pet insurance was named Sound Dollar’s “Best for cats” provider for 2022, but it’s worth considering whether you’re a cat or dog owner. Our Spot pet insurance review had far more highlights than lowlights, with the company registering well across four categories: eligibility, cost, coverage and customer experience. It may be best if you value the ability to customize your policy cost.

Whether you’re ready to insure your pet or are still shopping around, here’s everything you need to know about Spot, with a particular focus on what policies cover, what they don’t and how much they cost.

Inside this article

  1. Spot pros and cons
  2. Company overview
  3. What policies does Spot offer?
  4. Add-ons
  5. Exclusions
  6. Cost
  7. Savings, discounts
  8. Spot customer service
  9. Alternatives to Spot
  10. Conclusion
  11. Frequently asked questions
  12. Methodology

Spot pros and cons

Get Spot
Sample quote for dogs:

$39.25

Sample quote for cats:

$20.02

Reimbursement Amount:

70% to 90%

Reimbursement limit:

$2,500 to unlimited

Deductible options:

$100 to $1,000

Waiting period:

14 days (new policy, accidents, illness, other conditions), 180 days (cured, pre-existing conditions)

Pros

  • Wide range of eligible pet ages (8 weeks to 20 years)
  • Option to elect accident-only coverage
  • 10% multi-pet discount
  • 30-day, money-back guarantee
  • 24-7 pet telehealth service
  • Diagnostic exam fees, microchipping and prescribed food are covered
  • Pre-existing conditions can be covered if cured for 180 days
  • 270 days to file claims (much longer than many competitors)

Cons

  • 14-day waiting period for accidents is bested by some competitors that have 2- or 3-day policies
  • Routine care reimbursement is a policy add-on
  • It can take a couple of minutes of automated questions and answers to get a human customer service person on the phone

Company overview

Florida-based Spot is a reputable pet insurer offering multiple policy options for dogs and cats. The company aims to differentiate itself with a “digital-first” approach that makes everything from choosing coverage to filing claims painless and paperless. (You can submit claims via the Spot mobile app, website or email.)

Spot, which boasts an “A” rating with the Better Business Bureau, was founded in 2019 and announced plans in April 2022 to sell pet insurance in Canada.[1, 2]

Though it puts a unique spin on pet insurance, Spot partners with an oft-used underwriter—U.S. Fire Insurance Company—meaning you might see similar coverage levels among competing pet insurance providers.[3]

The Best Pet Insurance Companies of 2022

The Best Pet Insurance Companies of 2022

Pet insurance can save you money if your dog, cat or exotic animal has an emergency, and it can help you plan for routine care costs, too.

Find out more

What policies does Spot offer?

Spot was highlighted in our best pet insurance roundup for 2022, in part, because of its flexible and customizable policies. For instance, unlike some competitors, you can opt for accident-and-illness or accident-only coverage.

Spot also stands out for quoting cost-effective policies for pets, young and old, from 8 weeks to 20 years. (Competitors sometimes charge exorbitant rates for older dogs and cats, limit coverage options or don’t offer coverage at all.)

Some companies only provide coverage until age 14, but it is not at all uncommon for dogs and especially cats to live longer than that,” says Dr. Amanda Hensely, a former veterinarian in Colorado who contributes to Sound Dollar. “In those later years, they are more likely to have chronic conditions that can be managed, such as arthritis, kidney disease, et cetera… Be sure treatments like acupuncture and rehabilitation are covered, as these can be very important for surgical recovery or managing pain and improving mobility in the later years, but are not covered by many insurance plans.”
Dr. Amanda Hensley DVM, MPH

Meet the Expert

Dr. Hensley is a former veterinarian who specialized in animal rehabilitation and pain management. She has since shifted her career to focus on making scientific and medical information understandable and accessible to everyone.

Much like other pet insurance providers, however, there’s fine print to read in Spot’s policies.

Waiting period: This is the amount of time you and your pet would have to sit and stay until coverage kicks in. Once you sign up for a policy, for example, there’s a 14-day period before you can access coverage. There’s also a 180-day waiting period for pre-existing conditions: Once your pet has been cured and been symptom free for six months, their previous condition can be covered.

What’s covered, what’s not: When shopping around for pet insurance, it’s imperative to consider this list, as you might have specific concerns about your pet (perhaps because of their age or breed). Spot covers exam fees, diagnostics and treatment prescribed by veterinarians, including alternative remedies like stem-cell therapy and acupuncture.

CoveredNot covered[3]
Accidents Boarding
Behavioral issuesBreeding
Hereditary conditionsCosmetic procedures
IllnessesPreventative care
Microchip implantation(see “Exclusions” below)

Learn more: ​​What Does Pet Insurance Cover—and Not Cover?

Add-ons

Many pet insurers allow you to expand your coverage with policy add-ons. Below is what Spot makes available.

Preventive care

If you want to cover general wellness with your Spot policy, you can add supplementary coverage. There are gold and platinum add-on plans with monthly premiums of $9.95 and $24.95 and max annual deductibles of $250 and $450, respectively. To confirm the cost of these add-ons in your case, you can click “free quote” on Spot’s homepage and input your pet’s information.

Reason for veterinarian visitGold planPlatinum plan
Dental cleaning$100$150
Wellness exam$50$50
Flea, heartworm protection$0$25
Canine DHLPP or feline FVRCP vaccine, titer $20$25
Rabies, canine lyme or feline FIP vaccine, titer $20$25
Canine bordetella or feline FELV vaccine, titer $0$25
Fecal test$20$25
Canine heartworm or feline FELV test$20$25
Blood test$0$25
Urinalysis$0$25
Deworming$20$25
Health certificate$0$25

Exclusions

All pet insurance policies have exclusions—that is, conditions or situations that aren’t included in your coverage. Spot is no different.

Beyond conditions that crop up during your waiting period (see above), here are additional exclusions listed in its sample policy:[3]

  • Aesthetic, cosmetic, endodontic or orthodontic dental services

  • Anal sac (gland) expression, treatment and/or resection when no infection is present

  • Boarding

  • Breeding, pregnancy, whelping or nursing

  • Cosmetic and elective prostheses or procedures

  • Dental cleanings unless used to treat a covered illness

  • Experimental or investigational treatment or medication (including clinical trials)

  • Funeral services, memorial items, urns, caskets or burial plots/fees

  • Grooming or grooming supplies

  • Herbal and herbal-like products (including Cannabis or CBD)

  • House call fees

  • Illness or injury that results from intentional, malicious or grossly negligent activities

  • Non-medical supplies (such as toys)

  • Non-veterinary services (like administrative fees)

  • Organ or heart valve transplants

  • Prescription pet food

  • Preventive care

  • Supplements and vitamins

  • Training or training devices

Insurance Methodology: How We Rate Companies and Their Products

Insurance Methodology: How We Rate Companies and Their Products

We judge insurers across cost, coverage and customer experience, all to make sure you find the best policy for your situation.

Find out more

Cost

Like with other pet insurers, your premium—the amount you pay monthly or annually for your policy—is affected by three factors: annual limit, reimbursement amount and deductible.

Your potential premium amount with Spot could vary widely because the company offers so many choices for each of these three factors:

FactorDefinitionSpot's options
Annual limitThe maximum benefit from your Spot coverage per year $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, unlimited
Reimbursement amountThe percentage of covered costs that Spot will pay for 70%, 80%, 90%
DeductibleThe amount you pay out of pocket before Spot’s coverage kicks in $100, $250, $500, $750, $1,000

When you choose your amounts for the three factors above, they can significantly sway the cost of your premium. For example, below are sample Spot premiums for a 5-year-old, female, mixed-breed, medium-sized dog, as of June 14, 2022:

Annual limitReimbursement amountDeductiblePremium
$2,50070%$1,000$35.66
$5,00080%$500$57.81
$10,00090%$100$131.17

Savings, discounts

No matter your quoted premium, there are ways to decrease this monthly cost through savings and discounts offered by Spot. Options include a multiple-pet discount: 10% off on all additional pets.

For what it’s worth, Spot doesn’t offer a discount for paying your premium in full for the whole year as opposed to making monthly payments. But its money-back guarantee allows you to get a full refund if you cancel your policy within 30 days.

Spot customer service

Test-driving customer service before signing on with a pet insurer is key: If they’re unhelpful when you’re a prospective customer, they might be even less so once you’re an actual customer.

For its part, Spot makes its hotline—1-800-905-1595—available 8 a.m. to 8 p.m. ET, Monday to Friday. We called on a Tuesday around lunchtime EST and, after going through three sets of automated questions and answers, were connected with a customer service representative. (At least we weren’t put on hold!)

Most notably, Spot offers “VetAccess,” a round-the-clock helpline where you can chat with veterinary experts about your pet’s health. The company also has a member center where you can log in and easily manage your policy, including by tracking claims.

Alternatives: Spot vs. Pumpkin vs. Embrace

Like with any type of insurance, it’s always beneficial to compare costs, coverage and customer service among at least a few providers. This way, you can make sure you’re getting the best possible product for your needs.

For pet insurance, you might be comparing Spot versus Pumpkin or Embrace, a couple of other digitally-oriented providers. To jumpstart your comparison, consider the following:

SpotPumpkinEmbrace
Sample premium for dog*$39.25$79.59$26.80
Sample premium for cat**$20.02$31.37$16.12
Annual limit options835
Reimbursement amount options313
Deductible options535
Waiting periods14 days for all conditions14 days for all conditions2 days for accidents, 14 days for illnesses
Note on claimsYou have 270 days after the fact to file claims"Reimburse my vet" direct payment possible in some casesCompany says 92% of claims are approved; no forms necessary

*5-year-old, female, medium-sized, mixed-breed, northern California-based dog without major medical history, as of May 23, 2022

**5-year-old, male, mixed breed, medium hair, northern California-based cat without major medical history, as of May 24, 2022

***Quotes were product of selecting a $750 deductible, 80% reimbursement amount and $5,000 reimbursement limit, or the closest available options

****Quotes do not include supplementary coverage for wellness, preventative care

When the benefits of a handful of pet insurance providers are somewhat similar (as above), you might default to cost. Embrace was our “Best overall” pet insurer in 2022, in part, because of its low monthly premiums.

That said, the best pet insurance for you might not be the cheapest. Spot was rated as our “Best for cats” provider, for example, because of its affordable premiums for a wide age range of pets, plus accident-only coverage options for adventurous felines that like to walk the neighborhood.

Conclusion

Spot pet insurance is a digital-first company with a sleek website and mobile app. It combines a long list of perks—including 24-7 telehealth support—with policy customization that its competitors can’t beat. You can choose up to eight annual benefit limits, for example.

All in all, Spot is a good option for pet owners for whom one or more of the following applies…

  • Want a customizable insurance quote

  • Have an older dog or cat (under 20 years)

  • Have multiple pets

  • Have a dog or cat with a pre-existing condition that has completely subsided for six months

  • Value online-only policy management

  • Are looking for accident-only coverage

To choose the best pet insurance possible for your pet, however, make sure Spot’s policies truly cater to your dog or cat’s age, breed, size, health history and behavior. To check whether another provider might do more for your situation, review our best pet insurance rankings for 2022.

Frequently asked questions

Do you need pet insurance?

Pet insurance can help you avoid surprise costs—or plan for routine expenses—at the veterinarian’s office. It can also ease your stress and decision-making if your dog, cat or exotic animal suffers an accident or significant illness.

If you don’t value budget protection or have a younger animal, you might eschew pet insurance. But it’s worth noting that it’s easier—and more cost-effective—to insure a pet before their health record at the veterinarian’s office starts to lengthen. Pre-existing conditions, for example, are not covered by any pet insurance company (until they’ve been completely cured and no longer cause symptoms).

Whether or not to purchase pet insurance, from Spot or any carrier, is a personal decision that depends on your particular circumstances. It’s certainly worth considering, but there’s no black-and-white rule that pet insurance is necessary for 100% of pet owners.

Learn more: Is Pet Insurance Worth It?

Does Spot pet insurance cover neutering, spaying?

Spot’s basic pet insurance doesn’t cover neutering or spaying your dog or cat. However, you could add its platinum-level add-on for preventive care, which covers neutering or spaying, with a maximum annual benefit of $150.

How much is Spot pet insurance?

The cost of Spot pet insurance varies widely depending on your selected annual benefit limit, reimbursement amount and deductible. That said, Spot offers among the most cost-effective pet insurance policies, according to a May 2022 Sound Dollar analysis.

Methodology

As with all pet insurance companies, Spot was graded by Sound Dollar across four categories: eligibility, cost, coverage and customer experience. Given that they’re most impactful to your wallet, the cost and coverage categories were triple and double-weighted, respectively, in our formula. Find the full details on our methodology here.

As part of our research on Spot, we collected 23 company-specific data points; requested a variety of premium rate quotes; peppered their customer service representatives with questions; and reviewed third-party resources.

Finally, our end goal at Sound Dollar is to help you make the best financial decisions for your situation. As we review products like Spot’s, that’s our guiding principle.

Article Sources
  1. “SPOT Pet Insurance Services, LLC,” Better Business Bureau, https://www.bbb.org/us/fl/west-palm-beach/profile/pet-insurance/spot-pet-insurance-services-llc-0633-90568387.
  2. “Spot Pet Insurance Enters the Global Pet Insurance Market,” Cision, April 7, 2022, https://www.prnewswire.com/news-releases/spot-pet-insurance-enters-the-global-pet-insurance-market-301519507.html.
  3. “Accident and Illness Coverage,” United State Fire Insurance Company, May 2, 2022, https://spotpetins.com/wp-content/uploads/2022/05/AccidentIllness_V4.3_Sample-Policies-Spot_rev_5.2.22.pdf.

About the Authors

Staff editor Andrew Pentis headshot

Andrew Pentis

Andrew Pentis has used his journalism background to write about personal finance topics since 2015. His work has appeared in over 40 publications, including LifeHacker, U.S. News & World Report and Marketwatch.

Full bio
Dr. Jamie Whittenburg DVM

Dr. Jamie Whittenburg DVM

Dr. Jamie Whittenburg is a veterinarian with over 15 years experience. She works with cats, dogs, and small exotic pets.

Full bio

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