Ultimate Spot Pet Insurance Review: Honest 2024 Coverage Insights

How does Spot Pet Insurance measure up against the competition?

This is a Bias-Free Zone. Fluffillow is not affiliated with Spot Pet Insurance.

Navigating the world of pet insurance plans can be challenging. Here at Fluffillow, we’re all about providing you with the best dog gear reviews. However, we also know that pet insurance is something that’s top of mind for countless dog owners. This review cuts through the complexity, offering a straightforward look at what Spot Pet Insurance has to offer, its costs, and real-world customer experiences.

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Table of Contents

Key Takeaways

  • Spot Pet Insurance plans offer comprehensive coverage for pets including Accident-Only and Accident & Illness plans, with the flexibility to add wellness options and customizing deductibles, reimbursement rates, and annual limits.
  • While providing a broad range of services, Spot does not cover “incurable” pre-existing conditions, prescription diets, funeral expenses, or breed-specific risks, highlighting the importance of understanding policy exclusions.
  • Pricing for Spot’s insurance plans starts at approximately $15 per month for dogs and $9 per month for cats, varying based on factors such as pet age, breed, and the pet owner’s location, with available discounts including a 10% multi-pet reduction.

Spot Pet Insurance Coverage Overview

Spot Pet Insurance offers a broad range of coverage choices, including two primary insurance plans:

  1. Accident-Only
  2. Accident & Illness

These plans are designed to cater to accident-related injuries and emergency care for your pets, as well as provide safeguards against illnesses.

Person holding a german shepherd puppy on a couch in a modern living room

1. Accident-Only Coverage

Spot’s Accident-Only plan encompasses surgery, hospitalization, alternative therapy, and more for injuries.

  • INCLUDED: Surgical procedures, hospitalization, prescription medications, alternative therapies (like acupuncture and hydrotherapy), diagnostic imaging (MRI or CT scans), etc. required due to the injury.
  • NOT INCLUDED: Pre-existing injuries, illnesses or conditions unrelated to an accident.

What’s Covered?

Spot Pet Insurance’s Accident-Only plan covers a variety of treatments and procedures related to unexpected injuries, including:

  • Alternative Therapies: Treatments like acupuncture or hydrotherapy when performed or supervised by a licensed veterinarian.
  • Diagnostic Imaging: Includes MRI or CT scans and X-rays.
  • IV Fluids and Medications: Covers necessary intravenous treatments and prescription medications related to the accident.
  • Exams, Surgery, and Hospitalization: Costs associated with veterinary examinations, surgical procedures, and hospital stays due to accidents.
  • Tooth Extractions: Coverage for tooth extractions that are necessary due to accident.
  • Microchip Implantation: If performed as a result of the accident.
  • Stem Cell Therapy: Covered when used to treat injuries resulting from an accident.

What’s Not Covered

  • Illnesses: Any diseases or health conditions that are not directly related to an accident.
  • Routine Care: Preventative care such as vaccinations, flea control, annual check-ups, and dental cleanings are not covered.
  • Pre-existing Conditions: Any injuries or conditions that your pet had before the coverage starts.
  • Hereditary Conditions: Issues such as hip dysplasia or genetic disorders are not covered unless they are directly related to an accident.
  • Elective Procedures: Non-essential procedures like grooming or elective surgeries are not included.
  • Breeding Costs: Expenses related to breeding, pregnancy, and birthing are excluded.
  • Behavioral Treatments: Treatments for behavioral issues are not covered under this plan, as it focuses solely on physical injuries from accidents.

This plan is designed to offer financial protection against the costs associated with unexpected physical injuries to your pet​. However, it does not cover illnesses, only accidental injuries​​.

Dog with cone of shame

This type of plan is generally more affordable than comprehensive accident and illness plans, making it a good option for pet owners who are primarily concerned with sudden, unforeseen injuries but may not be able to afford broader coverage. Note: The Accident-Only plan includes a 14-day waiting period, which means coverage starts 14 days after the policy has begun​​.

Overall, Spot Pet Insurance’s Accident-Only plan can be a cost-effective solution for those looking to protect against the financial impact of accidents without the additional cost of covering illnesses.

2. Accident and Illness Coverage

Spot expands its coverage through the Accident and Illness plan, which includes a wide range of treatments.

  • INCLUDED: Treatments for injuries, common and serious illnesses, hereditary and congenital conditions, diagnostic testing, surgery, hospitalization, prescription medication, alternative therapies, behavioral issues, microchipping, and dental diseases
  • NOT INCLUDED: Pre-existing conditions, elective procedures, grooming, etc.

What’s Covered?

Spot Pet Insurance’s Accident and Illness Coverage plan covers a variety of treatments and procedures related to unexpected injuries, including:

  • Accidents and Injuries: Covers treatments for injuries such as broken bones, accidents like car accidents, and any other physical injuries.
  • Illnesses: Includes coverage for common and serious illnesses, from respiratory infections to diabetes and cancer.
  • Hereditary and Congenital Conditions: Conditions like hip dysplasia and heart defects are covered.
  • Chronic Conditions: Ongoing conditions such as allergies or arthritis are covered.
  • Diagnostic Testing: Includes lab tests, X-rays, MRI, and CT scans.
  • Surgery and Hospitalization: Covers costs associated with surgical procedures and hospital stays.
  • Prescription Medications: Medications prescribed by a veterinarian are covered.
  • Emergency Care: Provides coverage for emergency veterinary visits.
  • Alternative Therapies: Covers treatments like acupuncture, physiotherapy, and chiropractic care if prescribed by a vet.
  • Behavioral Issues: Covers treatments for behavioral issues when conducted or prescribed by a veterinarian.
  • Microchipping: Includes the cost of microchipping your pet.
  • Dental Diseases: Covers dental illnesses and tooth extractions, but typically does not cover routine dental cleanings unless it’s part of a preventive care add-on.

What’s Not Covered

  • Pre-existing Conditions: Any condition that exists or shows symptoms before the coverage starts or during the waiting period.
  • Elective Procedures: Cosmetic procedures like tail docking or ear cropping are not covered.
  • Breeding Costs: Expenses related to breeding, pregnancy, or birthing are not included.
  • Grooming: Routine grooming and associated costs are not covered.
  • Dietary and Nutritional Supplies: Generally, these are not covered unless they are prescribed as part of a treatment for a covered condition.
  • Certain Preventative Care: Routine vaccines and preventive medications are not covered under this plan unless a preventive care rider is purchased separately.
Vet treating a dog in an exam room

Customizing Your Spot Pet Insurance Plan

Spot Pet Insurance offers a range of customization options that allow you to tailor your pet insurance policy to fit you and your pet’s specific needs and budget. Here’s how you can customize your Spot plan.

Annual Limits

You can choose from several options for your annual coverage limit, including $2,500, $5,000, $10,000, or even unlimited coverage. This helps you control the maximum amount Spot will pay in a policy year for covered services.

For example, if your annual coverage limit is $5,000, Spot will pay no more than $5,000 for pet health care services in a coverage year. Think of it as a bank account that only has $5,000 and once the bank account is empty, you have to wait for the following year to use it again.


Spot allows you to select the deductible that works best for your financial situation. Deductibles in pet insurance are the amounts that pet owners must pay out-of-pocket before the insurance coverage begins to reimburse vet bills.

For example, if your deductible is $100, and your vet bill is $500, then you will pay the vet $100 from your own pocket before Spot kicks in any money.

Keep in mind that your monthly payment to Spot will be more with a $100 deductible than a $250 deductible. A higher deductible usually means a lower monthly premium (i.e. the amount you pay for your insurance every month).

Pet owners can choose from specific annual deductible amounts, including:

  • $100
  • $250
  • $500
  • $750
  • $1,000

These deductibles are available for both accident-only and accident and illness plans.

Reimbursement Rates

Spot provides pet owners with the flexibility to choose their reimbursement rate, offering options of 70%, 80%, or 90%. These rates determine the proportion of covered services that Spot will pay after the deductible is met and what you’ll need to pay out-of-pocket (typically called a “co-pay”).

For example, let's say your vet bill is $1000, your deductible is $100, and your reimbursement rate is 80%. Spot will pay $720 and you will owe the vet $100 to cover the deductible, plus an additional $180 from your own pocket. Here's the math: $1000 minus $100 out of pocket (deductible) = $900. $900 x 80% = $720 paid by Spot. $900 minus $720 = $180. Your total out of pocket = $180 + $100 = $280.
Person hiking with a happy dog

Preventive Care Add-Ons

Spot provides optional preventive care add-ons that cover routine treatments like vaccinations and check-ups, applicable to any base plan. Deductible-free, these plans simplify management of routine care costs for policyholders. The plans are aimed at pet owners who want to manage the costs of regular, necessary health maintenance for their pets without the financial burden of paying entirely out-of-pocket for each service.

It’s important to note that the coverage details and limits can vary, so it’s important to check the specific terms when considering a preventative plan for your pet. The plans are add-ons and do not replace the comprehensive accident and illness coverage, but are intended to complement it by covering preventive care not included in the main policy.

Gold Plan

Spot Pet Insurance‘s Gold Preventive Care plan is designed to help cover routine care expenses and maintain the overall health of your pet. Here’s a breakdown of what the Gold plan typically includes:

  1. Wellness Exams: Provides coverage for annual wellness checks to ensure your pet’s health.
  2. Vaccines: Includes coverage for essential vaccinations which are crucial in preventing various diseases.
  3. Dental Cleaning: Helps with the cost of dental cleanings, which are important for maintaining your pet’s oral health.
  4. Deworming: Covers treatments for internal parasites, protecting your pet from common worms.
  5. Fecal Tests: Tests for the presence of parasites in the digestive system are included.
  6. Heartworm Tests: Provides coverage for testing, which is important for detecting heartworm disease early.

The Gold Plan costs $10 extra per month and includes $250 in annual benefits, which can be used towards these preventive care services.

Platinum Plan

For broader preventive care, Spot provides the Platinum plan, which encompasses a wide array of services, including:

  1. Everything included in the Gold Plan
  2. Bloodwork: Provides coverage for routine blood tests to assess general health or diagnose conditions.
  3. Flea/Heartworm Prevention: Helps cover the cost of medications to prevent fleas and heartworm.
  4. Urinalysis: Tests to check the health of your pet’s urinary tract system.
  5. Spay/Neuter Surgery: Can be used for spay/neuter procedures, enhancing the value of this package for younger pets.

The Platinum plan costs $25 extra per month and includes $450 in annual benefits, which can be used towards these preventive care services.

Close-up of a smiling dog's mouth

Pricing and Discounts

The rates for Spot’s pet insurance start at roughly $15 per month for dogs and $9 per month for cats. However, these prices can fluctuate based on various factors such as your pet’s age and breed, your location, and your chosen coverage.

  • Pricing: The location of the pet owner, the age of the pet, and breed-specific risks and typical health issues associated with certain breeds all play a significant role in determining the pricing of Spot Pet Insurance plans.
  • Discounts: Spot offers various ways for customers to save on their monthly premiums. A 10% multi-pet discount is available for customers who insure multiple pets with Spot.

Customer Experience and Reviews

Spot’s customer service is generally acclaimed for its professionalism, helpfulness, and knowledgeability. Customers value the Spot Pet Insurance app for its user-friendliness, streamlined claims process, and swift, seamless reimbursement. Spot’s website is also noted for its clarity, user-friendliness, and includes a thorough FAQ section. For those seeking spot pet insurance reviews, the overall feedback is positive.

  • Website and App: Spot leverages mobile technology for efficient pet insurance servicing. Customers can submit claims via Spot’s user-friendly website or its mobile app by uploading their vet invoice’s photo. Spot’s mobile app, compatible with both Android and iOS devices, facilitates policy viewing, vet clinic locating, and claim filing and tracking.
  • Customer Service and Support: Spot’s customer service is available from 8 a.m. to 8 p.m. EST, Monday through Friday. The customer service team at Spot Pet Insurance is recognized for their quick response times and efficient resolution of customer issues.

Comparing Spot to Competitors

When compared to other popular pet insurance companies, Spot offers competitive coverage options and pricing structures. However, the choice ultimately depends on your pet’s specific needs and your budget.

Spot vs Fetch Pet Insurance

Fetch pet insurance logo

Spot and Fetch pet insurance differ primarily in their coverage options and preventive care offerings. Spot offers an accident-only coverage option that can fit various budgets and coverage needs; however, Fetch does not. On the other hand, Fetch offers comprehensive coverage that includes holistic and alternative care treatments, such as acupuncture and chiropractic care, which are less common in pet insurance. While both companies offer preventive care, Spot provides this as an optional add-on, which lets owners include routine services such as vaccinations and wellness exams, whereas Fetch incorporates more inclusive wellness options into their standard plans, promoting a more holistic approach to pet health​.

Spot vs Nationwide Pet Insurance

Nationwide insurance logo

While Nationwide is ranked as the number one choice among pet insurers, Spot is the thirteenth choice for pet owners. Both Nationwide and Spot offer telehealth services providing 24/7 access to veterinary experts. Spot covers more areas like chronic diseases, cancer, and dental surgeries compared to Nationwide. Spot also provides coverage for herbal supplements and alternative/holistic therapy if an additional rider is purchased, unlike Nationwide.

Spot vs Trupanion

Trupanion pet insurance logo

Spot and Trupanion both offer comprehensive pet insurance plans, but there are key differences to note. Spot offers more choices in their plans and allows for up to 90% reimbursements, which can be particularly advantageous for young, healthy pets. Trupanion, on the other hand, does not offer preventive care coverage options or Accident-Only coverage plans, unlike Spot.

Spot vs. Pumpkin

Pumpkin pet insurance logo

Pumpkin’s wellness coverage plan differentiates itself by covering the full cost of eligible wellness expenses without annual limits, whereas Spot imposes set annual limits for similar reimbursements. While Pumpkin reimburses at a fixed rate of 90%, Spot’s reimbursement rates vary and can be selected from 70%, 80%, or 90% based on the customer’s preference.

Spot vs. Healthy Paws

Healthy paws logo

Compared to Healthy Paws, Spot offers more choices in their plans and allows for up to 90% reimbursements, which can be particularly advantageous for young, healthy pets.

Spot vs Lemonade

Lemonade insurance logo

When comparing Spot Pet Insurance with Lemonade Pet Insurance, several differences emerge that are important for pet owners to consider. Spot offers a wide range of deductible options from $100 to $1,000, allowing pet owners to tailor their plans to fit their financial situation. In contrast, Lemonade has a fixed annual deductible that can be adjusted but within a narrower range.

Spot’s reimbursement rates are flexible, with options of 70%, 80%, or 90%, while Lemonade offers a fixed reimbursement rate of 70% to 90%, depending on the chosen plan. Spot also provides unlimited annual coverage options, which is an attractive feature for pet owners who want the most comprehensive protection without worrying about hitting annual limits.

Lemonade stands out with its AI-driven claims process and its Giveback program, where leftover money from premiums is donated to charities chosen by policyholders. Lemonade also offers a mobile app that allows for quick and easy management of policies and filing of claims, which appeals to tech-savvy pet owners.

Both companies exclude pre-existing conditions and require a waiting period before coverage starts, but the specifics of these terms can vary between the two insurers. Additionally, Lemonade may offer a more user-friendly experience with its modern technology and straightforward policy management, while Spot provides more customizable options that can be better suited for a range of pet owner needs.


In conclusion, Spot Pet Insurance offers a broad range of coverage options, allowing pet owners to choose a plan that best suits their pet’s needs and their budget. While there are a few exclusions to their coverage, Spot’s dedication to providing comprehensive coverage and excellent customer service makes them a strong choice for pet insurance.

Happy pit bull rolling on his back

Frequently Asked Questions

How to cancel Spot Pet Insurance?

To cancel your Spot Pet Insurance, you would need to contact the customer service team via phone at 1-800-905-1595.

How does Spot Pet Insurance work?

Spot offers a variety of insurance plans that cover different aspects of your pet’s health. You choose a plan, pay a monthly premium, and in return, Spot reimburses a percentage of your vet bills after the deductible is met.

How much does Spot Pet Insurance cost?

Spot pet insurance costs vary depending on several factors such as the type of coverage, your pet’s age, and breed. You can get a personalized quote by contacting Spot directly or visiting their website. Spot’s pet insurance rates start at around $15 a month for dogs and $9 a month for cats. However, the final rate depends on several factors including the age and breed of your pet, your location, and the type of coverage you choose.

Where is Spot Pet Insurance accepted?

Spot pet insurance is accepted at any licensed vet, emergency clinic, or specialist in the US.

What does Spot Pet Insurance cover?

Spot pet insurance covers a wide range of services depending on the plan you choose. This can include accident-only coverage, accident and illness coverage, and preventive care add-ons.

How does Spot’s Accident-Only coverage plan work?

The Accident-Only coverage plan covers surgeries, hospitalizations, and alternative therapy for injuries, but it doesn’t cover illnesses or conditions unrelated to accidents.

What are the deductible options for Spot Pet Insurance?

Spot Pet Insurance provides a range of annual deductibles starting from $100 up to $1,000, allowing pet owners to choose the specific amount that best suits their needs.

What are the reimbursement rates offered by Spot Pet Insurance?

Spot offers reimbursement rates of 70%, 80%, or 90% for pet owners, providing flexibility in choosing the desired option.

What are the annual coverage limits offered by Spot Pet Insurance?

Spot offers annual coverage limits ranging from $2,500 to unlimited.

What does Spot’s Gold preventive care package cover?

The Gold preventive care package includes essential veterinary services such as annual wellness exams, certain vaccines, deworming, and fecal tests, designed to maintain your pet’s health.