Spot Pet Insurance Review

About Spot Pet Insurance

Spot Pet Insurance Review

Think of all the ways that your pets have brought joy into your life. All the licks they laid on you, the nights they slept at the foot of your bed while you crushed an entire season’s worth of Stranger Things, the summer days in the park where you played fetch until the sunset ducked beneath the horizon, and I’m going to stop myself before I wax too poetically.

The point is, we have a symbiotic relationship with our pets[1] wherein they give us affection, warmth, and attention, and we provide them with shelter, food, and health. It’s the latter part of the exchange that I’m going to look at here because, simply put, you can’t just ask your dog or cat what’s wrong. You need a professional. 

Sadly, vet expenses can dig deep ravines into your expenses that you wouldn’t otherwise see coming. Your dog chews on one small plastic straw and bam, you’re paying upwards of a grand to fix their digestive tract. We love our silly little mutts, but it’d be much less stressful if it didn’t cost an arm and a leg to fix one of their legs, you know?

That’s why I’m happy you came to this Spot Pet Insurance review. A study[2] shows the presence of pet health insurance had a positive association with spending at the veterinarian. The Miami-based pet insurance company has earned acclaim from publications like Money, Forbes, Rolling Stone, and more.

The brand’s personalized plans allow you to cover as much or as little as you see fit. There’s no need for you to spend more on alternative therapy if you don’t think you’re ever going to use it. That flexibility is partially how Spot Pet Insurance has earned more than 13k followers on Instagram.

However, health and insurance policies aren’t something you should dive into without the requisite intel. That’s why this Spot Pet Insurance is a good place to stop before you look deeper into the company. You’ll learn about the brand’s policies, what they cover, how much they cost, what real customers have to say about the brand and the answers to a couple of frequently asked questions.

Why You Should Trust Us

Our mission is to help you make better, more informed purchase decisions. Our team spends hours researching, consulting with medical experts, gathering insight from expert professionals, reviewing customer feedback, and analyzing products to provide you with the information you need

Overview of Spot Pet Insurance

Spot Pet Insurance Review

To demonstrate the necessity of Spot Pet Insurance, and pet insurance as a whole, allow me to present you with a few facts. Nearly three-quarters of all households in the United States own a pet, with dogs and cats sitting at the top of the charts for most popular pets. 69 million American households own a dog and 45 million own a cat.

The numbers don’t end there. Pet expenditures have more than doubled since 2012, shooting up from $53 billion in 2012 to over $123 billion in 2021. These expenditures included over-the-counter medication, vet visits, and grooming. In fact, vet fees were the largest expense for both dogs and cats, even outweighing food. The third biggest expense were routine visits, and this expense wasn’t much less than the overall cost of food. 

There are two key takeaways from these numbers. Firstly, people are going to keep owning pets. Secondly, pet expenses are only going to increase. The simplest solution would be to either tell people to not buy pets (yeah, like that would work), or earn more money (if only it were that easy).

Thankfully, Spot Pet Insurance presents a third option. Their plans are easy to understand without locking you into coverage rates for things you might not need. They have been building a strong rapport with their users since their inception in 2019.

Let’s look at how they set themselves apart. First, I’ll tell you about some of their highlights, then I’ll fill you in on the details of their plans.


  • No upper age limit for pet coverage
  • Multiple pet discount  
  • Free quote on pet insurance 
  • Customizable plans 
  • No one-time fees
Spot Pet Insurance Review

This Spot Pet Insurance review will cover the company’s two main insurances; dogs and cats. Yes, it’s sadly true that Spot Pet Insurance doesn’t provide coverage for reptiles, rodents, or aves. 

Spot Pet Insurance Features Review

The flexibility of their plans may draw you into Spot Pet Insurance. You don’t need to buy the most opulent plan if you don’t think your pet is going to need tons of checkups. However, you can add special care options for an extra fee, including:

  1. Routine wellness exams
  2. Chronic illnesses
  3. Alternative therapies
  4. Preventative care options

The regular Spot Pet Insurance plan is a fairly standard offering. It provides protection and coverage for accidents, illnesses, and other unexpected fees while also reimbursing surgery and medications that come from long-term illnesses. 

If you’re going to leave this Spot Pet Insurance review thinking of which plan you should pick if you can’t decide, I’d advise you to go with that one. 

Spot Pet Insurance Accident Only Plan

The next plan in this Spot Pet Insurance review is only for accidents. The Spot Pet Insurance Accident Only Plan lives up to its name by covering medications, fees, and visits that are related to accidental occurrences rather than illnesses. 

To clear up what’s considered an accident and what’s considered an illness, here’s what Spot Pet Insurance will cover under this plan:

  • Broken bones
  • Cuts
  • Bruises
  • Torn ligaments
  • Bites
  • Toxic or poisonous materials entering the body
  • Foreign objects clogging airways

Spot Pet Insurance Wellness Plan

The next available options I want to talk about in this Spot Pet Insurance review are the brand’s add-on plans. These Spot Pet Insurance Wellness Plans are where the customizations come in as you can tack them onto either basic plans or accident-only plans.

There are two that you can add to your plans, the Spot Pet Insurance Gold Preventative Care and The Spot Pet Insurance Platinum Preventative Care. These plans do cost extra, as I’ll tell you about later in this Spot Pet Insurance review, but know that they’re both worthwhile. They’re intelligent tools to implement if you think you may be seeing the vet in the future or if you want to account for all possibilities. 

How Does Spot Pet Insurance Work?

Spot Pet Insurance Review

The process to apply for and receive coverage is so easy that I could explain it in my sleep. However, for your sake and so I don’t risk screwing up my sleep schedule, I’ll lay it out to you while I’m awake.

It begins when you visit a licensed pet specialist, vet, or clinic. You receive the bill and then you submit that claim to Spot Pet Insurance if it falls under their coverage. After it’s been processed, you’ll either receive a direct deposit or a check in the mail. You get to pack how you receive your reimbursement.

Spot Pet Insurance’s reimbursement uses a model known as deductible then copay. The amount you receive is what remains after the copay and annual deductible have been taken out of the vet bill. 

What Are Spot Pet Insurance’s Waiting Periods?

Spot Pet Insurance Review

For as good as getting paid feels, there’s nothing that feels worse than waiting to get paid. That’s why it’s important to know how long you should prepare to wait for Spot Pet Insurance’s reimbursements – you don’t want to explode with anxiety while you await the fees from your puppy’s checkup.

On average, it takes Spot Pet Insurance around two weeks to reimburse their clients. This goes for illnesses, accidents, and wellness claims.

What Does Spot Pet Insurance Cover?

Spot Pet Insurance Review

Spot Pet Insurance covers many features that other pet insurance companies can’t cover in full. While this is by no means a complete list of what the brand covers, it’s comprehensive enough that you will get a good idea of what they can cover. 

A Spot Pet Insurance plan that’s fully loaded includes:

  • Specialists
  • Chronic conditions
  • Dental illnesses
  • Behavioral issues
  • Alternative therapies
  • Hereditary conditions
  • Accidents

How Much Does Spot Pet Insurance Cost?

Spot Pet Insurance Review

While I’d love to give you an exact number for how much coverage will cost in this Spot Pet Insurance review, I’m not privy to that information. Your monthly cost can vary depending on your pet’s age, breed, pre-existing conditions, and their location.

Furthermore, the price is affected by the deductible amount, reimbursement percentage, and payout options. 

What I can tell you is that basic Spot Pet Insurance plans start for around $29. This number will be lower for the Spot Pet Insurance Accident Only Plan.

Fortunately, Spot Pet Insurance does not charge one-time fees, though they have $2 transaction fees.

Each of the wellness plans costs extra, obviously. The Spot Pet Insurance Platinum Preventative Care costs $25 per month while the Spot Pet Insurance Gold Preventative Care costs $10 each month. The plans have a total annual benefit of $450 and $250 respectively. 

Who Is Spot Pet Insurance For? 

Spot Pet Insurance Review

Due to the wealth of options Spot Pet Insurance presents to customers, I’d say that anyone who wants plans that can fit into their budget (no matter how small or large that may be) will want to look into them. Additionally, they’re for either dog or cat owners only, as the company does not provide insurance policies that cover other types of pets.

Spot Pet Insurance Reviews: What Do Customers Think?

Spot Pet Insurance Review

Seeing as how Spot Pet Insurance strives to make life easier for their customers, it’s vital that I looked into how well the brand accomplished that by consulting with said customers. I’ve gathered a list of Spot Pet Insurance reviews from various customer aggregate sites. This is what I found.

  • Pet Insurance Review: 4.6/5 stars based on more than 140 pieces of customer feedback
  • Trust Pilot: 4.4/5 stars based on more than 900 pieces of customer feedback
  • Google Reviews: 4/5 stars based on more than 200 pieces of customer feedback

It’s pretty obvious by the sheer number of positive Spot Pet Insurance reviews that the brand met their goal pretty well. Of those who signed up for the service, most felt that the company took good care of them and their pets.

Have had Spot for my cat Peaches for 2 years now and the customer service has been consistently pleasant, submitting claims is easy, and MY LIFE is easier now that I can worry less about bills when I take her to the vet. Definitely recommend!” wrote one happy customer.

Spot Pet Insurance’s customer service was praised for their ability to follow through with their words, issue reimbursements on time, and communicate well with clients. This is what another satisfied member wrote on the brand’s website regarding those compliments. 

I adopted my pup Marvin earlier this year and immediately looked into Pet insurance because I am a college student. after researching different insurance plans, Spot seemed like the best option. I am so glad I signed up with spot when I did because Marvin ended up not being able to keep any food which led to many expensive vet visits. Spot was very helpful and timely with my claims.

You might think that pet insurance would only be useful to those with tons of money left laying around to cover the premiums. That’s where you’d be wrong, according to customer Spot Pet Insurance reviews. Sorry to burst your bubble, but even folks that didn’t have plenty of spare change were grateful for this service.

They liked it because, over the long run, Spot Pet Insurance allowed them to save money while taking care of their pets. While they couldn’t predict what health fiasco their pets would find themselves in, the brand’s customers could (for the most part) rely on Spot Pet Insurance to cover them when they needed help.

Here’s what one customer wrote about this subject. “Spot has been incredible for me and my 2 cats Luna and Smokey. First of all, the customer service reps are the most helpful, kind people I’ve experienced before which is rare to find for an insurance company. Second, the claims and reimbursements have been EASY and FAST. I can’t believe it took me this long to start getting insurance for my pets but wow am I glad I did.”

Sadly, not every Spot Pet Insurance review that came from a customer was bursting at the seams with adoration.I read a few testimonials wherein Spot Pet Insurance did not cover some illnesses or accidents that they claimed they would cover. This is despite the fact that the customers writing those reviews said that they had opted into those services.

The thing is, those negative Spot Pet Insurance reviews ran contrary to what I read elsewhere. The majority of customer feedback centered around the brand’s willingness to cover most conditions and illnesses so long as they fell within the parameters they set. Here’s one final customer testimonial to drive that point home;

Great company and great coverage! You can customize your policy, add preventive care and dental is included. My dog broke a tooth as he is a heavy chewer and I was able to use my plan to cover treatment.

Is Spot Pet Insurance Legit?

Spot Pet Insurance Review

The legitimacy of the brand hinges on the integrity of their customer reviews. As I just detailed, there were some conflicting testimonials regarding whether or not Spot Pet Insurance covered as much as they claimed to. While I’m inclined to believe them and hope that these complaints were more fringe cases, I’d say that you should still exercise caution.

Is Spot Pet Insurance Worth It?

Spot Pet Insurance Review

You can look at this section as representing pet insurance as a whole. It’s one of those things that only seems worth it after the fact, like wearing a seatbelt or meal prepping. I think that if you want to purchase some pet insurance, then Spot is a decent option

Their premiums are a bit higher than other companies, but the ability to select from multiple plans gives you more leeway with your coverage.

Spot Pet Insurance Promotions & Discounts 

Spot Pet Insurance Review

Spot Pet Insurance will reward new users with a $25 Amazon gift card. All you need to do to redeem this gift is sign up to the

Where to Buy Spot Pet Insurance

Spot Pet Insurance Review

You can sign up for their services at


Spot Pet Insurance Review

Who owns Spot Pet Insurance?

I wasn’t able to find out who exactly owns Spot Pet Insurance.

Is Spot Pet Insurance Available In Canada?

They expanded into Canada earlier this year.

How Is Spot Pet Insurance Reimbursement Calculated?

They calculate reimbursements by subtracting the copay and annual deductible from each bill.

Does Spot Pet Insurance cover neutering?

The basic plan doesn’t but their platinum wellness plan does up to $150.

What is Spot Pet Insurance’s Privacy Policy?

The only parties that Spot Pet Insurance share your personal information with are; affiliates, service providers, third parties, and government agencies.

What is Spot Pet Insurance’s Cancellation Policy?

You can cancel an insurance claim by contacting the company.

How to Contact Spot Pet Insurance

I hope you enjoyed this Spot Pet Insurance review! You can call the brand at 1.800.905.1595.


1.NIH (2018). The Power of Pets. [online] NIH News in Health. Available at:

2.Williams, A., Williams, B., Hansen, C.R. and Coble, K.H. (2020). The Impact of Pet Health Insurance on Dog Owners’ Spending for Veterinary Services. Animals, [online] 10(7), p.1162. doi:10.3390/ani10071162.

Next, check out similar reviews you might find helpful:

Wagmo Pet Insurance Review

Pawp Pet Insurance Review

Embrace Pet Insurance Review 

Whistle Pet Tracker Review

Article Sources

[1] NIH The Power of Pets News in Health
[2] Williams, A., Williams, B., Hansen, C.R. and Coble, K.H. The Impact of Pet Health Insurance on Dog Owners’ Spending for Veterinary Services ScienceDirect Animals, [online] 10(7), p.1162

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