Spot pet insurance review: Our Top pick (2022)

It can be expensive to take care of your pet, but if you don’t have pet insurance, your options may be limited. Learn what Spot Pet Insurance has to offer, and whether it’s the right choice for you and your animal friend in this Spot Pet Insurance review USA.


● The pros of buying a policy include peace of mind, protection against large medical bills.

● protection against lost wages, and access to better care.

● The fact that most policies cover pre-existing conditions can also be an advantage.


● But you also get some cons to consider: It may be costly, especially if your pet stays healthy.

● There is also no guarantee that your claim will be approved by your insurer; many companies offer coverage for certain procedures or illnesses but won’t pay for others.

● And although most policies have a cap on how much they will pay out over time, there are exceptions and exclusions that can make these caps irrelevant.

● So even though a policy might cost $100 per year, an expensive illness could end up costing you thousands of dollars out of pocket.

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If you decide not to buy a policy and something happens to your pet anyway, then at least there’s one positive thing about being uninsured: You don’t have to worry about paying premiums anymore!

Spot Pet Insurance Background

Spot pet insurance is a relatively new company. They were founded in 2012, after one of its co-founders had adopted an animal from a shelter and wanted to protect him with a health plan and service like he was accustomed to as a human being. They offer both individual plans as well as business plans.

Being so new, there is not a lot of available research on their customer base. However, they do have testimonials on their website which show some positive feedback from both customers and veterinarians who have used them as clients. But just like any other company, there are also some negative reviews out there – so be sure to keep an eye out for those as well! One of my favorite things about Spot Pet Insurance is that they offer a free quote online, meaning you can get started right away without having to talk with anyone over the phone or wait for someone to email you back.

This really helps if you’re in a time crunch or aren’t comfortable discussing your personal information over email (although I would recommend doing it over email anyway).

Spot Pet Insurance Plans and Coverage

Before you sign up for a Spot pet insurance plan, make sure you understand exactly what’s covered and what’s not. And consider whether you can go without extra coverage in order to pay less—you might be surprised how little treatment cost on average over several years of owning a dog or cat.

For example, very few dogs will ever need to see a specialist such as an orthopedic surgeon, periodontist or gastroenterologist.


Spot has some of the best coverage out there. Pet health insurance covers a very wide range of conditions and includes lots of potential treatments, like acupuncture or chiropractic care. The policy offers a deductible as low as $100, but you may also choose to opt for higher deductibles.

The more you’re willing to pay up front, of course, means less money Spot will have to spend later on treating your pet’s condition.

Spot Pet Insurance Pricing

The price of Spot Pet Insurance depends on your personal needs. Your premium and deductible will vary based on how much you want to insure, what type of care you want covered, and how much your veterinarian charges. For example, if you have a $100 deductible with a 75% reimbursement rate, that means that if your cat costs $300 in veterinary bills, you would pay $100 out-of-pocket initially but then Spot Pet Insurance would reimburse $225 for that expense.

However, if your vet’s charge is $200 instead of $300, you would still be responsible for paying $100 out-of-pocket at first. Then after paying your deductible, Spot Pet Insurance would reimburse you only 50% (or half) of that cost ($50). This is because your plan only covers 75% (or three quarters) of veterinary expenses up to a maximum limit per year—in our example above, they cover three quarters or 75% up to $250.

Spot Pet Insurance Reviews

Spot pet insurance is an American-based company that provides medical and wellness plans for pets. The company was founded in 2003 by two former Microsoft employees with a passion for animals. All of Spot’s plans are underwritten bnhy Blue Cross Blue Shield.

On Spot’s website, you can buy a plan online, schedule an appointment at one of its vet clinics, or pay over time with a monthly subscription. When you purchase a plan from Spot, your credit card will be charged for your first month’s premium immediately; after that, your card will be charged on a monthly basis until you cancel.

If you have any questions about how to cancel your policy, check out our guide to canceling pet insurance.

How to Cancel Spot Pet Insurance

Most people don’t anticipate having a problem when they sign up for pet insurance, but that’s why some owners are surprised to find that their policy comes with a cancellation fee. The details vary from one policy to another, but most companies allow you to cancel for any reason within 30 days of signing up.

After 30 days, many will give you a refund if you can prove your dog or cat has an illness or injury covered by your policy.
However, if you don’t have a claim within 30 days of signing up, most companies won’t give you a refund. Spot Pet Insurance also offers coverage for hereditary conditions and congenital defects. Before purchasing any policy, be sure to carefully read through your contract to see what is—and isn’t—covered by your plan.

If there is anything about your policy that you don’t understand or want clarified, call customer service for assistance.

How can I reach Spot’s customer service?

Unfortunately, if you have any questions regarding Spot’s services or products, you won’t be able to reach them through their phone number. Their phone system is designed to take messages and connect you with a live representative only when an issue is deemed urgent by their customer service staff.

If your issue is not time-sensitive, your best bet for contact with a live Spot agent is via email. Your emails are logged in a queue and responded to as soon as possible after opening them.

Yes, they are a little more expensive than other plans, but Spot’s No Annual Maximum Payout means your furry friend can get a serious injury or illness diagnosis without worrying about whether that diagnosis will bring your policy over its limit. If you live in one of Spot’s ten states, you can drop by any participating veterinarian for a free exam.

Spot State Availability

As a basic rule of thumb, it’s usually best to buy your pet insurance in whichever state you live. In Spot’s case, only Alabama, California, Hawaii, Maine and Virginia currently have in-state availability. If you don’t already live in one of these states or if you like your current insurer better (or if they offer a lower price than Spot), we recommend shopping around to find a plan that works for you.

It’s also important to note that not all plans are available in every state—you can see which ones are by checking out our table below.
We pulled quotes from Spot and several other top insurers for a variety of different dogs in different zip codes across the country. Here are some things to keep in mind when comparing rates: Availability varies by location : As noted above, each insurer offers its coverage on a market-by-market basis.

How can I reach Spot’s customer service?

Spot is a Pet Insurance company, which means that their customer service representatives can be reached by calling their 800 number, available on their website. You may also contact them through e-mail, but for live support you must call Spot at 1-800-404-2767. Their hours of operation are from 6am to 10pm Monday through Saturday and from 7am to 9pm on Sunday.

Does Spot cover exotic animals?

There are some exclusions to Spot’s coverage, so make sure you understand what animals aren’t covered before purchasing a policy. The company does not cover exotic pets like reptiles, rodents, amphibians or any other critters that might be considered pocket pets.

It also won’t cover birds with a beak longer than an inch in length, spiders and insects that don’t have backbones, bees and worms.

Does Spot pet insurance cover pre-existing conditions

I heard that, in most instances, Spot pet insurance will cover pre-existing conditions. However, I am still not sure how much coverage and how long a waiting period there is for that condition to take effect. Can you help me clear up my confusion on Spot’s coverage of pre-existing conditions?

Thanks! -Jill from Jacksonville, FL
Pre-existing conditions are covered by Spot’s pet insurance if your current policy is active on January 1st. If you switch plans during the year, Spot’s pet insurance will provide coverage for pre-existing conditions that existed on January 1st of that year.

If you move from a policy with unlimited benefits to one with limited benefits, any pre-existing conditions that existed prior to January 1st will not be covered.


Pet insurance is a great option for pet owners, but there are a lot of options out there. What we think you should do is take some time to read over your options, understand what’s covered in different plans and see how they compare to what you might expect to pay out of pocket at a given vet or medical facility.

Pet insurance isn’t a cure-all, but when it comes down to it that’s true of most health care.

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