The listings featured on this site are from companies from which this site receives compensation. This influences where, how and in what order such listings appear on this site.
Advertising Disclosure

The information we provide you is free of charge and a result of extensive research by our home warranty experts. We use affiliate links on our site that provide us with referral commissions. While this fact may not influence the information we provide, it may affect the positioning of this information.

Spot Review

Find out what Spot covers and whether it’s the right choice for your pet in our Spot pet insurance review that goes over how it works and the top options.

Spot Review


  • Lets you set the reimbursement amount that is right for you
  • Covers most dog and cat breeds
  • Offers low rates with the option of adding a wellness package
  • Accepts vets and clinics from across the country
  • Lets you submit claims up to nine months after seeking treatment


  • No options for exotic pets
  • Can be more expensive than other insurers
  • You must pay extra for wellness plans

Spot gets great reviews from pet owners who like the freedom to submit claims in multiple ways. You can choose from different policies and include wellness coverage. Spot gives you the freedom to see any licensed vet you want in the country.

What is Spot?

Pet owners know that they have no control over what can happen to their four-legged family members. If your dog gets loose while you’re on a walk, you might watch as it eats trash from a neighbor’s can or runs into the middle of traffic. Spot is a pet insurance company that gives you some of the peace of mind that you desperately need. You get coverage for different types of treatment along with vet appointments and visits to emergency clinics. Though Spot asks you to pay out of pocket for the services that you need, it will then reimburse you through direct deposit or a paper check. You choose the reimbursement level that you want when you sign up, which will affect your annual or monthly cost.

Features and Services

Though Spot offers plans for both dogs and cats, the coverage that your pet gets will depend on the type of plan that you choose. You need to decide whether to invest in the complete coverage plan or the accident-only plan. While the accident-only plan is more affordable, it will only cover injuries that happen during an accident. You may need to get an x-ray when a neighbor backs into your cat with their car or the cat falls out of a window. If you want coverage that helps with illnesses, you’ll want to invest in the complete coverage plan.

The complete coverage plan covers all types of diagnostic tests, including an MRI or x-ray along with a CT scan or blood test. Thanks to your illness coverage, you get help with any type of illness that your pet has and the symptoms they exhibit. Let’s say that you have a kitten with an eye infection. Once you get through the waiting period, your insurance will kick in and allow your vet to run tests and prescribe medications for your kitten. Spot covers all types of illnesses that affect dogs and cats.

Spot also has coverage that can help with unique or nontraditional conditions. If you have a cat with stomach issues that needs prescription food, your policy will pay you back for the food that the animal needs. You get coverage when you seek help from poison control and when pets need behavioral or alternative treatments. Spot covers almost everything that a pet might need.

Another thing to keep in mind is that you can add a wellness plan to your coverage that pays for any preventative care that your pet needs. A good example is a microchip that the vet places inside your pet. This allows you to register your pet and ensure that they never go missing. Spot preventative plans will cover anything that prevents your pet from becoming seriously sick later such as routine vaccinations. You just need to visit your vet and pay for the vaccinations and exam upfront. Spot will then pay you back for most of what you spent.

Who is this for?

Spot is the best pet insurance company for those who live and travel in the United States. Thanks to your policy that allows you to pick any vet, Spot will never refuse to reimburse you because of the doctor you saw. You can see any vet and visit any office or clinic in the United States as long as the vet has a medical license. We also recommend this insurer for those who want to try out pet insurance before they buy a full policy. If you aren’t happy for any reason, Spot allows you to cancel your policy and get your money back within the first 30 days.

How It Works

When an emergency or accident happens, you don’t want to deal with calling your insurer and making plans because you want to get your pet help as soon as possible. That is one reason why so many pet owners love Spot. You never need to call Spot or check the website before seeking help. This pet insurer allows you to visit an emergency clinic or make an appointment with your normal vet. At the end of the visit, you can request forms from the vet and pay for the services rendered. Spot will then reimburse you.

The way it works is simple because you just need to file your claim with that paperwork. Spot accepts claims filed through the app and on the website as well as those you submit via fax or through the mail. You need to submit proof that you sought help and paid for the services your pet needed. Once Spot processes the claim, it will reimburse you for the money that you spent out of pocket. You have the choice between asking for Spot to send you a check or using direct deposit to automatically add the money to your bank account.


Spot offers plans that start at only $16 per month for a dog or cat. If you choose a plan that only covers accidents, you pay just $10 per month. While this is the minimum amount that the company charges, you may pay much more. Spot bases your cost on both the reimbursement level and annual limit that you choose as well as your deductible. Your annual limit tells you how much Spot will pay in a calendar year per pet and ranges from $5,000 to $20,000 but also includes an unlimited option. The reimbursement level allows you to pick how much Spot will pay you back from 70% to 90%. You also need to choose an annual deductible, which is how much you need to pay out of pocket before Spot will pay a dime. This ranges from $100 to $500.

As you adjust these factors, you’ll notice that your monthly rates change. Spot can also determine your price based on the age and breed of your pet. A younger Maine Coon might cost around $20 per month to ensure while an older Bengal cost closer to $30 a month. Both younger and older dogs often cost more to insure and can rise to around $60 per month because those pets are more likely to become ill or suffer injuries. If you have a dog around the age of three or four, you might pay around $30 per month for insurance.

Customer Support

If you need to contact Spot and don’t mind waiting for a response, you can send an email to [email protected] It often takes a few hours or longer to get a reply. When you’re in a hurry, call Spot customer service directly at (855) 941-3840. Customer service representatives are available on weekdays from 8 am to 8 pm. Your wait time is often longer if you call late in the afternoon and during busy times on both Monday and Friday. As long as you are a Spot customer, you can use the online system for help. Spot lets you send a message or use the chat feature through your account.

Final Thoughts

Spot received the seal of approval from Cesar Milan. Also known as the Dog Whisperer due to his hit television show, Milan ranked Spot as his favorite pet insurer. Many pet owners found the company through him and love the services that they received. Spot offers low monthly rates with the option to save when you pay for an annual package that features both accident and illness coverage. You can use the multi-pet discount to save even more money. Though Spot does not offer coverage for exotic pets, it offers plans that are suitable for any breed of dog or cat. You can experiment with the system to see how much you will pay based on what you want for your pet. Out of all of the pet insurers that we found, Spot ranks within the top five due to its low prices and the ability that you have to see any vet.

Top Features

Copyright © 2022 Top5 Best Pet Insurance · All Rights Reserved