Spot Pet Insurance Review

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Spot Pet Insurance’s innovative approach provides user-friendly access to customizable coverage. Your dog or cat is covered without completing a medical exam. The policies cover veterinary bills, either partially or in full, when your pet goes in for a check-up or routine vaccination or needs care for injury, chronic illness or prescription coverage. Spot also covers implanting a microchip in your pet. You’ll also get 10% off of each additional pet you insure.

Best For

  • Cats and dogs of all breeds, sizes and ages
  • Insuring multiple pets
  • Customizing an insurance plan
  • Prescription food and supplements


  • Multiple pet discount
  • Covers prescription food and supplements
  • No upper age limit for coverage enrollment
  • 30-day money-back guarantee*
  • More reimbursement options: 70%, 80% and 90%


  • Doesn’t cover exotic pets
see how Spot Pet Insurance compares

* 30-day money-back guarantee only available if no claims have been approved or paid. Not available in NY

Your relationship with your pet is a gift. Why wouldn’t you safeguard it with pet insurance? One of the nation’s largest carriers, Spot Pet Insurance, reimburses pet owners for vet services. You can customize your policy to dial in the monthly premium, deductible and coverage to meet your specific needs. If you’re looking for the best pet insurance, take a look at Benzinga’s Spot Pet Insurance guide to understand how you and your pet can benefit from first-class coverage.

Animals Spot Pet Insurance Covers

Spot Pet Insurance covers your cat or dog in case of unexpected illness or injuries. The carrier follows the reimbursement approach, repaying you for covered veterinary services. Again, customization is at the heart of Spot Pet Insurance plans, so you have a choice in what’s covered.

Dog breeds commonly covered by Spot:

  • Bulldog
  • Chihuahua
  • German Shepherd
  • Golden Retriever
  • Great Dane
  • Labrador Retriever
  • Pitbull

Cat breeds commonly covered by Spot:

  • Bengal
  • Devon Rex
  • Maine Coon
  • Munchkin
  • Ragdoll
  • Sphynx

Spot Pet Insurance Coverage Options

Spot Pet Insurance provides a variety of coverage options but coming to the table with some general insurance knowledge will help you choose a plan. Here’s a quick review of terms to make sure you comprehend your coverage:

  • Premiums: A premium is the amount of money you pay monthly for an insurance plan. You can adjust factors to lower or raise your premium. Factors such as your pet’s age, deductible and coverage add-ons will determine your premium.
  • Deductible: You must pay your deductible before your policy contributes toward the cost of covered vet services. Your deductible is set when you enroll into a plan. If your insurance provider accepts a submitted claim, the amount you pay upfront counts toward your deductible.
  • Copay: The copay is the amount you pay at each vet visit. After meeting your deductible, you are responsible for a copay for every service or visit covered by your plan. Your insurance carrier is responsible for the remainder of the cost.
  • Maximum payout: Some insurance plans have a maximum payout amount, which is the maximum amount of money your insurance provider contributes towards your pet’s costs. Some plans have a maximum payout per illness or incident while others have a lifetime or annual maximum payout. Once you meet the maximum payout, you’ll begin paying out of pocket for vet services.
  • Waiting period: The waiting period starts on the first effective date of the applicable coverage. Your coverage won’t begin until the waiting period lapses. An injury or illness that occurs during this period won’t be covered by your insurance policy.
  • Preexisting conditions: These are injuries, diseases, illnesses or changes to your pet’s health that first show symptoms or occur during the waiting period or before coverage is effective. This also includes conditions that are secondary, related to or that result from a preexisting condition.  

Spot Pet Insurance coverage starts at rates as little as $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location. This type of plan will reimburse you a set amount of money for covered services. Preventive services include dental cleanings and vaccines. No copay or deductible is required for this option. Spot also provides an accident-only plan, which only covers accidents.

A Spot Pet Insurance plan will cover:

  • Diagnostic tests: This may include blood tests, MRI or CT scans, X-rays and other tests your vet may prescribe.
  • Illnesses: The coverage extends to both minor and major illnesses. For instance, you’d expect the same level of coverage for a chronic illness like cancer or for a simple ear infection.
  • Accidents: Accidents are covered and can include incidents like breaking a bone or getting a giant splinter.
  • Veterinary treatment: Examinations, consultations, intravenous fluids and laboratory tests are included. Hospitalization and surgery and medical supplies like casts, bandages and splints are also covered.
  • Injuries: Necessary stitches, care for broken bones or other injuries make the list.
  • Medicine and supplements: Spot will cover prescription medications and supplements needed to treat a covered condition.

Beyond general preventive and acute care, Spot Pet Insurance plans also let you choose coverage for most specialized treatments. The following can be part of your pet’s plan:

  • Prescription food: Prescription food is covered if it’s needed to treat a covered condition.
  • Poison control and consultation fees: Spot covers all veterinary consultation fees and poison control procedures if your pet ingests poison.
  • Tooth extractions
  • Stem cell therapy: Stem cell procedures like bone marrow transplant make the list as long as it’s for a covered condition.
  • Alternative therapy: Procedures like physiotherapy, acupuncture, chiropractic and therapeutic laser treatment are covered.
  • Behavioral conditions: Treatment for aggression, marking and destructive chewing is provided only if treatment is performed by a vet or through a written referral by a vet to a certified applied animal behaviorist.  
  • Cancer: All cancer-related testing and treatments, including but not limited to radiation treatment and chemotherapy, are covered by Spot at no extra cost.
  • Microchip implantation: Your plan will cover microchip implantation by a vet. Associated fees for monitoring, registration or renewal are not included.

Spot Pet Insurance Exclusions

Understanding policy exclusions is just as important. Spot Pet Insurance will not pay for any costs resulting from or associated with the following:

  • Breeding, pregnancy, nursing or whelping
  • Cosmetic, aesthetic and endodontic dental services like crowns, caps, crown amputation, implants, fillings and root canals
  • Grooming or grooming supplies including ear cleanings, non-prescription baths, nail trims and non-prescription shampoos.
  • Cosmetic and elective procedures including tail docking, ear cropping and claw removal
  • House call fees and travel expenses to and from the hospital or veterinarian office
  • Non-medical supplies such as leashes, toys and training devices
  • Preexisting conditions that occurred during the waiting period or on or before the policy effective date
  • Pet food, prescription food, supplements, vitamins, treats or diets used for general prevention or health maintenance — including weight loss
  • Pet daycare or boarding

Spot Pet Insurance Pricing

Spot calculates your premium based on your pet’s breed, age and where you live. Other factors that will impact your premium are:

  • Your reimbursement percentage
  • The plan you choose
  • Your deductible
  • Discount eligibility
  • Inclusion of preventive care

Take a look at Spot’s premium rates for specific breeds and ages to get an idea of what you can expect. 

Quotes were obtained for a male pet with a $5,000 annual limit, $250 deductible and 80% reimbursement. Get your custom quote.

Dog: Golden Retriever – younger than 1-year-oldAccident and illness $52.32 per month
Dog: German Shepherd – younger than 1-year-oldAccident and illness $36.08 per month
Dog: Golden Retriever – 6 years oldAccident and illness$69.76 per month
Dog: German Shepherd – 6 years oldAccident and illness$48.11 per month
Cat: Bengal – younger than 1-year-oldAccident and illness$24.32 per month
Cat: Bengal – 6 years oldAccident and illness$29.93 per month
Cat: Maine Coon – 3 years oldAccident and illness$19.13 per month

Spot Pet Insurance Claims

Spot Pet Insurance—like most carriers—follows a claim and reimbursement model. You should begin the claims process for every vet visit or invoice received for a covered expense. As a customer, you can submit a claim and invoice through the Spot Pet Insurance mobile app. They also strive to respond to all complete claims within a 7 day period.

Follow these steps as a part of Spot’s claims process.

Step 1: Complete the Claims Form.

You can submit a claim within 270 days from the date of treatment for all treatments and visits you want to be covered. You can visit any licensed vet in the U.S., including emergency care clinics and specialists.

Step 2: Attach an Itemized Invoice.

To receive your reimbursement, you’ll need to provide an invoice from your vet as proof of treatment. Include your vet’s name as well as a summary of why you made the visit.

Step 3: Send in Your Claim.

Email or upload your claim to your Spot account. Include your pet’s medical records to speed up the claims process. You’ll receive a response email when your claim is received and complete. You can check the status of your claim online through your personalized claims portal.

Spot Pet Insurance Customer Service

Here are a few ways to get in touch with Spot:

  • The Spot Pet Insurance customer service team is available at 1-877-958-8702 weekdays, from 8 a.m. to 9 p.m. EST and Saturday from 9 a.m. to 5 p.m. EST
  • Online contact form
  • Email

Spot Pet Insurance Overall Rating

Spot Pet Insurance’s overall rating is 4.8 out of 5. Your relationships with your pets are valuable. Protect it with a pet insurance policy from Spot Pet Insurance. Spot’s customizable policy benefits mean you can find a policy that works for you. 

Visit Spot to receive a free quote.

Spot Pet Insurance vs. Competitors

Take a look at how Spot stacks up to competitors.

get started securely through Lemonade Pet’s website
Disclosure: Lemonade is currently available in the following states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District Of Columbia, Georgia, Illinois, Indiana, Iowa, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin,
Best For
Top-rated pet insurance
1 Minute Review

Lemonade offers easy-to-understand coverage options for dogs and cats. It’s even better for those who already have Lemonade renters or homeowners insurance as you get a discount for bundling your policies. 

Insurance companies keep extra dollars for profit, but Lemonade is unique in that after it pays your claims and its expenses, it gives any remaining premiums to a charity that you choose when you sign up for a policy. You can select charities like the American Red Cross, the Trevor Project, and many pet-centric causes. The downside to Lemonade pet insurance is that you can only insure dogs and cats (no exotic animals). 

Best For
  • Those who want to bundle with their home policy
  • Pet owners who prefer to buy and manage their policies online
  • Pet owners who want to customize their pet’s policy
  • Super customizable so you get everything your pet needs without paying for stuff you won’t use
  • Discount for having Lemonade home or renters insurance
  • Very high cap on annual limits
  • Only offers coverage for dogs and cats
  • Not available in all states
get a quote securely through Pumpkin Pet Insurance’s website
Best For
Families with multiple pets
1 Minute Review

Pumpkin Pet Insurance offers traditional pet insurance as well as optional preventive care coverage at an additional cost. While Pumpkin does offer a wide range of coverage options, you’ll notice some limits to be aware of. All Pumpkin Pet Insurance plans have an annual coverage limit and all of its policies come with a high reimbursement rate.

Best For
  • Families with pets who don’t expect their bills to go higher than Pumpkin’s coverage limits
  • Families with multiple pets who can benefit from their discount for each additional pet’s policy
  • No upper age limit
  • Multiple pet discount
  • An extensive list of covered procedures
  • Plans only cover cats and dogs — no other pet types
Get started securely through Liberty Mutual’s website
Best For
Up to 90% reimbursement
1 Minute Review

Liberty Mutual is a major insurance provider offering pet insurance options for cats and dogs. The company offers 3 policy choices: an accident-only plan, an accident and illness plan and a plan that covers wellness and routine care along with both accidents and illnesses. You can get a policy quote online with just a few clicks and you can adjust your policy details to fit your needs.

Liberty Mutual’s pet insurance policies will not automatically cancel once your pet reaches a certain age, which can be a huge benefit for owners of older pets. While Liberty Mutual does not currently offer an illness-only plan, most pet owners will be able to find an affordable care option through the company’s customizable quote tool. Depending on your pet and policy, you may pay as little as $7 a month for coverage.


Best For
  • Pet owners who already have some type of Liberty Mutual insurance
  • Dog and cat owners up-to-date on veterinary care
  • Anyone looking for customizable benefits
  • Wellness benefits do not count toward annual maximum
  • Instant quotes available online
  • Allows policyholders to adjust deductible, maximum benefit and reimbursement
  • Does not offer coverage for animals besides dogs and cats
  • Pet must have a comprehensive veterinary exam before enrollment
Best For
Routine visits
1 Minute Review

Nationwide can cover more than your home and car but can also extend to your family pets. Coverage is available in all 50 states and works with cats to amphibians and everything in between.

Best For
  • Combining multiple policies
  • People with exotic animals
  • Available in all 50 states
  • 24/7 customer support
  • Covers routine visits and emergency care
  • Too many plan restrictions
Best For
No upper age limit
1 Minute Review

You can choose between a couple of plan choices when you get ASPCA pet insurance. The first, Complete Coverage, offers extensive coverage for everything from behavioral issues to genetic conditions. ASPCA also offers an Accidents-Only Coverage option that’s more affordable and compensates you for emergency treatment only. ASPCA plans are available in all 50 states but are only available for cats and dogs. Its claims process is simple and its customer service team has stellar reviews as well. All things considered, ASPCA is a great choice for both cat and dog owners.

Best For
  • Cat and dog owners
  • Anyone who values responsive customer service options
  • Pet owners who have a dog predisposed to hip dysplasia
  • Coverage for hip dysplasia
  • Coverage available in all 50 states
  • Unlimited coverage options available for both cats and dogs
  • Only available for dogs and cats
  • Only 2 plan tiers available
  • Preventive care costs extra


Benzinga crafted a specific methodology to rank pet insurance. To see a comprehensive breakdown of our methodology, please visit see our Pet Insurance Methodology page.

Frequently Asked Questions


Are pre-existing conditions covered under Spot pet insurance?

Are pre-existing conditions covered under Spot pet insurance?

Spot pet insurance does not cover pre-existing conditions within the last 180 days.


What is covered under Spot pet insurance?

What is covered under Spot pet insurance?

Spot pet insurance covers illnesses, accidents, diagnostic testing, injuries and vet treatments.


How do you like Spot Pet Insurance?