- Range of annual coverage limits and deductible options. With Spot, annual coverage limit options include: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, $15,000, $20,000 and unlimited. You can also choose a deductible price that ranges from $100 to $1,000.
- No upper age limit. While some companies exclude enrollment for senior pets, Spot doesn’t have a maximum age limit, so you can insure your older dogs and cats.
- Short waiting periods. Spot’s policies have a 14-day waiting period for illnesses and accidents, including ligament issues.
- 24/7 vet helpline. As a Spot customer, you have access to a 24/7 veterinarian helpline to get advice for any issues that arise.
- Additional coverage. Spot offers preventative care plans that can reimburse you for routine care.
- Higher premiums. We found that Spot’s premiums were more expensive than average compared to other companies in our analysis.
- Processing fees. If you decide to pay your premiums monthly, quarterly or semi-annually, Spot adds a processing fee to your charge. The only way to avoid the fee is to pay your premiums for the year up front.
- Limited customer support hours. Unlike other companies that provide customer support seven days a week, Spot’s customer service department is only available Monday through Friday.
About Spot pet insurance
Florida-based Spot offers multiple pet insurance 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.
Spot pet insurance plans available
Spot offers an accident-only pet insurance plan and a more comprehensive accident and illness plan. If you want to cover general wellness with your Spot policy, you can add supplementary coverage to your accident and illness plan.
Spot accident-only pet insurance
Accident-only pet insurance does not include coverage for your pet’s illnesses. This type of plan is cheaper than comprehensive pet insurance, which covers both accidents and illnesses.
Spot accident-only pet insurance will cover your pet’s injuries, such as broken bones, lacerations, insect stings, accidental poisoning and foreign body ingestion.
Veterinary expenses Spot will cover related to accidents include:
- Alternative therapy, like acupuncture, physiotherapy and laser therapy.
- IV medications and fluids.
- MRI, CT scans and X-rays.
- Medical supplies.
- Poison control consultation fees.
- Stem cell therapy.
- Surgery.
- Prescription medication.
- Hospitalization.
- Tooth extractions related to injuries.
- Laboratory testing and consultation.
Spot accident and illness plan
The most common and broad coverage plan Spot offers is its accident and illness plan. This covers everything the accident-only policy does plus illness-related expenses, such as those for cancer and diabetes.
In addition to the coverages listed above, the Spot accident and illness pet insurance will cover:
- Chemotherapy.
- Radiation.
- Behavioral issue treatment.
- Microchip implantation.
- Chronic conditions.
- Hereditary conditions.
Spot wellness plans
Spot offers gold and platinum add-on wellness plans with monthly premiums of $9.95 and $24.95 and maximum annual coverage of $250 and $450, respectively.
What spot insurance doesn’t cover
All pet insurance policies have conditions or situations that aren’t included in your coverage. Here are some exclusions listed in a Spot pet insurance sample policy:
- 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.
- Pre-existing conditions occurring prior to or during policy waiting period.
- Prescription pet food.
- Preventive care.
- Supplements and vitamins.
- Training or training devices.
Spot pet insurance rates
Spot pet insurance costs an average of $45 per month for $5,000 in annual coverage for a dog, or $59 a month for an unlimited annual limit.
How much you pay for Spot pet insurance will depend on the annual limit, deductible and reimbursement percentage you choose.
Spot pet insurance options
Your pet’s age and breed will determine how much you pay for pet insurance. To show you what your Spot pet insurance costs could be, we compared rates for 9 dog breeds at three different ages.
How Spot compares to other pet insurance companies
Here’s how Spot compares to companies in our best pet insurance rating.
Spot customer service
Besides logging into your online account or using the Spot mobile app, you can reach customer service by phone from 8 a.m. to 8 p.m. ET from Monday to Friday.
As a Spot customer, you also have access to its 24/7 VetAccess helpline through the online portal, by phone, chat or messenger. There is also a dedicated telehealth app you can use to ask health and behavior questions day or night.
Frequently asked questions (FAQs)
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.
The maximum coverage limit for Spot pet insurance is the unlimited option. This means that there is no cap to the vet expenses Spot will cover, as long as it’s not an excluded condition.
Once you meet your deductible, Spot will reimburse you based on the percentage you choose — 70%, 80%, or 90% of covered veterinary costs.
Yes, Spot pet insurance offers two options for a wellness plan. Its gold preventive care plan costs $9.95 per month with up to $250 in annual benefits. Spot’s platinum preventive care plan costs $24.95 each month and covers up to $450 annually.
