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Spot pet insurance provides comprehensive pet insurance, including an allowance for end-of-life memorials. Some plan upgrades cover dental cleanings and other costly services. It's our top pick for broad coverage in our guide to the best pet insurance.
Spot Pet Insurance
Pet insurance gives you the peace of mind of knowing your family's furry friend gets the medical attention they need without breaking the bank. Pet insurance could even mean saving a beloved pet's life.
With
Spot Pet Insurance Cost
According to the North American Pet Health Insurance Association, the average cost of pet insurance with accident-only coverage for dogs is $19.93 and $10.85 monthly for cats. The average price of accident and illness coverage for dogs is $48.66 and $28.57 per month for cats.
At face value, the rates for Spot pet insurance policies are more expensive than the industry average. However, your pet insurance premium varies based on several factors, including your pet's age, gender, annual limit, reimbursement rate, medical history, and annual deductible. While pet insurance companies don't cover preexisting conditions, some could be indicators of more health issues down the line that would qualify for coverage.
We've gathered several sample rates for various dogs and cats in different areas. These rates are based on a $10,000 annual limit, an 80% reimbursement rate, and a $500 deductible policy.
| Accident & illness plan | Accident only plan | |
| 2yo F, Golden Retriever/ San Jose, CA | $74.51 | $26.15 |
| 1yo M, German Shepherd/ San Jose, CA | $63.05 | $26.15 |
| 3yo F, Labradoodle/ San Jose, CA | $55.27 | $26.15 |
| 3yo M, British short hair/ Houston, TX | $29.59 | $15.98 |
| 5yo F, mixed breed/ Houston, TX | $22.75 | $15.98 |
Spot offers preventative plans at an additional cost. You can get Spot's Gold plan at a fixed fee of $9.95 monthly and its Platinum plan at $24.95 monthly.
How to File a Claim With Spot
Filing a claim with Spot pet insurance is easy. You can file a claim online or on the Spot insurance app by clicking the claims icon and uploading a picture of your bill.
You must pay the required deductible to start receiving reimbursements for your claim. With Spot, you can choose a deductible between $100 and $1,000: the higher your deductible, the lower your premiums.
Got a burning question? You can call spot insurance at 1.800.905.1595 from Monday to Friday between 8:00 am and 8:00 pm EST.
Spot Pet Insurance Plans
Accident-only policies will only cover unexpected injuries such as bites, cuts, broken bones, lodged foreign objects, auto accidents, and poison ingestion. On the other hand, accident and illness policies will include all coverages from your accident-only policy on top of sickness, disease, and medical conditions like cancer and chronic illnesses as long as it's not preexisting conditions.
Spot's accident & illness plan covers the following for qualifying accidents, hereditary conditions, illnesses, and chronic issues:
- Alternative therapies like acupuncture, chiropractic care, and hydrotherapy
- Behavioral problems like anxiety, excessive licking, and aggression
- End-of-life expenses
- Intravenous fluids and medication
- Medical supplies
- MRI or CT scans and X-rays
- Poison control consultation fees
- Prescription food
- Prescription medication
- Stem cell therapy
- Supplements
- Surgery and hospitalization
- Tooth extractions
- Vet treatments (examinations, consultations, and lab tests)
- Microchipping
- Cancer treatments
What's not covered
- Cosmetic treatment
- Dental cleanings (unless treating a covered illness)
- Breeding or pregnancy
- Preexisting conditions (covers curable preexisting conditions if your pet has been symptom-free for at least 180 days)
- Final expenses
- Injuries and sicknesses resulting from intentional, malicious, or negligent treatment
- Experimental treatments
Additional Coverage Options
Spot offers a gold plan and platinum plan for wellness and preventative care. The gold plan covers wellness exams, vaccines, and tests. Its platinum plan provides more extensive coverage with benefits like heartworm and flea prevention, urinalysis, and blood tests.
Spot preventative wellness plan limits
| Gold Preventative Care Plan | Platinum Preventative Care Plan | |
| Dental cleaning | $100 | $150 |
| Wellness exam | $50 | $50 |
| Flea & heartworm prevention | N/A | $25 |
| DHLPP or FVRCP Vaccine | $20 | $25 |
| Rabies, Lyme, or FIP vaccine | $20 | $25 |
| Bordatella or FELV vaccine | N/A | $25 |
| Fecal test | $20 | $25 |
| Heartworm or FELV testing | $20 | $25 |
| Blood tests | N/A | $25 |
| Urinalysis | N/A | $25 |
| Deworming | $20 | $25 |
| Health certificate | N/A | $25 |
FAQs
Does Spot have a waiting period?
Does Spot cover preexisting conditions?
No. Like all pet insurance companies, Spot doesn't cover preexisting conditions. However, Spot covers curable preexisting conditions. In other words, if your pet is more than 180 days symptom and treatment free from their ailment, that condition may be eligible for coverage.
Does Spot offer coverage for senior pets?
Spot has no upper age limit for qualifying pets. So both young and senior dogs can be eligible for pet insurance coverage with Spot.
Can I cancel Spot?
If you wish to cancel Spot's services, contact a Spot pet insurance representative at 1.800.905.1595.
Compare Spot
See how Spot compares to three other options for pet insurance coverage: Trupanion, Figo, and Healthy Paws.
Spot vs. Trupanion Pet Insurance
Spot pet insurance covers exam fees and microchipping in its standard plan. Additionally, Spot has preventative wellness and accident-only policies for purchase, while Trupanion doesn't. With such diverse programs, pet parents can customize pet insurance to meet their needs.
However, while Spot offers more comprehensive coverage, you may fancy Trupanion for paying claims directly to qualifying vets. With Spot, you must pay the bill to your vet and get reimbursed later. This is a significant perk for pet parents who worry about waiting for some claims to be paid.
Spot is the winner for its extensive coverage, affordable rates, policy options, and shorter waiting periods.
Trupanion Pet Insurance Review
Spot vs. Figo Pet Insurance
We also noticed Spot covers exam fees and microchipping in its standard plan. Figo, on the other hand, covers exam fees and microchipping at an additional cost. However, It may pique your interest that Figo covers final expense costs and boarding fees for an extra charge, which Spot doesn't offer.
With Spot, you have a broader range of policy options for maximum annual coverage and deductible options. However, with Figo, you can get up to 100% of your vet's bill paid after the deductible.
Figo has a waiting period of one day for accidents and 14 days for illness. In contrast, Spot has a waiting period of 15 days for accidents and illness. Figo delivers coverage faster than Spot, which you should consider before purchasing a policy.
Spot insurance appears to provide more coverage in its standard plan without the additional fee, unlike Figo. However, Spot is slightly more expensive for dog insurance. Otherwise, both companies are evenly matched in coverage and policy options. So your chosen company will depend on what you need at the price that makes sense for you and your pet. Age, breed, and medical history may also give one competitor an edge.
Spot vs. Healthy Paws Pet Insurance
- Behavioral issues
- Cosmetic expenses
- Exam fee
- Microchip implant
- Curable conditions
- Prescription food and supplements
Spot also offers an accident-only plan. Meanwhile, Healthy Paws only provides accident and illness policies.
Spot and Healthy Paws have a 15-day waiting period for accident and illness plans. However, Healthy Paws won't insure pets over 14. As mentioned previously, Spot doesn't have an upper age limit. So between these two insurance providers, senior pets may only qualify for coverage with Spot.
We think Spot is the clear choice regarding coverage. However, it can be pretty expensive compared to Healthy Paws.
Healthy Paws Pet Insurance Review
Why You Should Trust Us: How We Reviewed Spot Pet Insurance
We base our ratings on cost, coverage options, customization, and customer service for a consistent rating system for different products.
- Cost - How do its rates compare to the industry average? Does the company offer affordable options, or is it more expensive than competitors?
- Coverage - This is the bang for the buck. What range of treatments are covered by the insurance company? What riders and add-ons does the company in question offer? More coverage could offset a high price as long as it's coverage customers want.
- Policy customization - What extent can consumers choose a reimbursement level, deductibles, and annual limits
- Customer service - Is the insurance provider's customer service team available when you need help? How long does it take to process a claim according to honest customer reviews? We scour different sources to determine what customers think of each product before we rate it.
You can get more information on our rating process in our pet insurance rating methodology.