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Spot Pet Insurance Review (2021)

Before purchasing a pet insurance policy, read our review of Spot to learn more about the company’s background, coverage options, and why we recommend it to readers.

A light brown and white dog with a black nose and pink tongue pants while winking one eye shut while outside. Adobe

In This Review: Spot Background | Our Rating | Pros & Cons | Plans & Coverage | Pricing | Availability | Reviews | Comparison | FAQs | Conclusion

Spot Pet Insurance seeks to keep your pet healthy and cover any urgent needs that may arise from accidents and illnesses.

With vet prices increasing, pet health insurance is a popular choice for pet owners looking out for the health of their furry friend. A pet insurance policy helps ensure that your pet will receive the medical attention it needs during an emergency without breaking the bank in the process.

Keep reading to learn more about Spot’s benefits, coverage, and pricing and why we recommend it as one of the best pet insurance companies on the market.

Visit Spot’s website for a quick quote to get access to this tool and check prices based on your dog or cat’s breed, age, and location.

Our Rating for Spot Pet Insurance

For its performance in customer service, plan options, overall coverage, affordability, and company reputation, we gave Spot a score of 91 out of 100.

We were particularly impressed with Spot’s customizability and flexible prices. It allows pet parents to select from two plans with choices of six annual limits, five annual deductibles, and three reimbursement rates so customers only pay for what they need.

Additionally, the Spot website features helpful resources for pet owners, including a tool that shows average costs of vet bills related to various procedures or treatments and how much your chosen Spot pet insurance policy would cover.

Pros & Cons of Spot Pet Insurance

Explore the advantages and disadvantages of pet insurance from Spot:

✔ Doesn’t have an age limit for older animals
✔ Has a 30-day money-back guarantee
✔ Covers vet visits and exam fees

✘ Plans with the unlimited coverage option are significantly more expensive than plans without this option
✘ Has a long 14-day waiting period for accidents
✘ Doesn’t have weekend customer service availability

Spot Pet Insurance Background

Founded in 2019, Spot is one of the newer pet insurance companies on the market. Its pet insurance is provided by Crum & Forster Pet Insurance, which has been around since 2006. This means that Spot claims, billing, and customer service are handled by Crum & Forster (C&F) Insurance Agency, Inc. instead of Spot.

Spot is partnered with renowned dog trainer and pet enthusiast, Cesar Millan, to help educate pet parents across the country. Customers can even access a free training manual written by Millan by getting a free quote online.

Spot Pet Insurance Plans and Coverage

Spot has two plans: the Accident-Only Plan and the Accident and Illness Plan.

Spot Plans

Plan What's Covered?
Plan What's Covered?
Accident-Only Plan Eligible expenses from incidents like injuries, broken bones, swallowed objects, and toxic ingestions.
Accident and Illness Plan Incidents specified in the Accident-Only Plan, plus: Behavioral issues, dental disease, hip dysplasia, heart disease, intervertebral disk disease (IVDD), other hereditary or congenital conditions, cancer, respiratory infection, and diabetes.

Both plans feature comprehensive coverage for procedures, treatments, or other expenses. These covered costs can include things like:


  • MRIs
  • CT scans
  • X-rays
  • Lab test fees
  • Exam fees


  • Prescription medications
  • Medical supplies


  • Tooth extractions
  • Surgery
  • Hospitalization
  • Microchipping
  • Alternative therapies
  • Stem cell therapy
  • End-of-life expenses


  • Prescription diet food
  • Poison control consultation

Spot also offers two preventative care options at different coverage limits and price points. Here are the types of coverage and per-item benefits included in each package:

Preventive Care Limits

Types of Coverage Gold Preventive Care Platinum Preventive Care
Types of Coverage Gold Preventive Care Platinum Preventive Care
Dental cleaning $100 $150 (also goes toward spay or neuter)
Wellness exam $50 $50
Flea/heartworm prevention $0 $25
Vaccines $40 $75
Fecal test $20 $25
Canine heartworm or feline FELV test $20 $25
Blood test $0 $25
Urinalysis $0 $25
Deworming $20 $25
Health certificate $0 $25
Total annual benefit $250 $450

Coverage Exclusions

Spot doesn’t include pre-existing conditions, which are defined in a sample policy as, “conditions that occurred on or before the first effective date of the applicable coverage or during a waiting period.” This waiting period is 14 days after the policy’s effective start date for both accidents and illnesses.

However, Spot does cover pre-existing conditions that are cured and free from treatment and symptoms for 180 days, but this doesn’t apply to ligament or knee conditions.

Here are a few more exclusions in Spot’s pet insurance policies:

  • Cosmetic or aesthetic procedures
  • Elective procedures
  • Anal gland expression
  • Boarding
  • Breeding and pregnancy-related issues
  • Funeral services
  • Grooming
  • Herbal products

Spot Pet Insurance Pricing

Considering Spot’s flexible pricing options, it has some of the cheapest pet insurance policies on the market. Additionally, the preventative care options come at affordable prices. The Gold Preventive Care option is a flat rate of $9.95 per month, and the Platinum Preventive Care option costs $24.95 per month.

To give you an idea of what pricing might look like, we requested some sample pet insurance quotes for dogs and cats that are 4 years-old and of various breeds in Raleigh, North Carolina. The prices shown include various coverage limit choices and came with the selection of a $500 annual deductible and 80% reimbursement percentage.

Sample Monthly Premiums

Species/breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species/breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident-Only Plan - Unlimited coverage $41.36 $41.36 $41.36 $41.36
Accident and Illness Plan - Unlimited coverage $68.88 $92.96 $59.10 $36.61
Accident-Only Plan - $5,000 coverage limit $21.40 $21.40 $21.40 $21.40
Accident and Illness Plan - $5,000 coverage limit $34.60 $48.10 $30.58 $18.94
Accident-Only Plan - $2,500 coverage limit $16.72 $16.72 $16.72 $16.72
Accident and Illness Plan - $2,500 coverage limit $27.04 $37.59 $23.90 $14.80


Spot offers a 10% discount for employees at companies that enroll in its pet health insurance benefits program. Like many other providers, it also offers a 10% discount for each additional pet on your policy.

Spot State Availability

Spot sells pet insurance policies in all 50 states, but exact policy details may vary depending on your area.

Get a quote online by entering your ZIP code and pet’s information and review the details of what’s offered in your area.

Spot Pet Insurance Reviews

Although Spot has an A- rating and accreditation from the Better Business Bureau (BBB), its profile doesn’t show many reviews—likely due to the young age of the company. However, Trustpilot features hundreds of reviews from existing customers that reference satisfaction with the claims-filing process and positive customer service experiences, as well as discontent with pricing and denied claims.

Below are some examples of Spot pet insurance reviews from Trustpilot:

Max says:

“So far, SPOT has been wonderful. We reviewed several pet insurance providers before deciding to sign up with SPOT as they cover everything (if not more) that other providers cover for a cheaper premium. We’ve had one incident with our pup since enrolling with SPOT and their claims center was very user-friendly. Once we submitted the claim, SPOT did all the work to contact our vet to complete the claim.”

Recardo H. says:

“I took my dog in for a tummy ache during the first two-week waiting period and understood he couldn’t get it covered during that time. However, I was shocked to hear that SPOT pet insurance [would] consider that a pre-existing condition. That’s upset stomach from eating grass (new dog owner so didn’t know this is common) is considered a pre-existing condition, which meant that for the next SIX months they wouldn’t cover any medical accident or illness involving his stomach.”

Spot Compared To Other Pet Insurance Providers

Quickly compare the features of top-rated pet insurance companies:


Provider Our score Sample monthly premium* Number of plan options and add-ons
Provider Our score Sample monthly premium* Number of plan options and add-ons
Spot Pet Insurance 91 $34.60 4
Lemonade 96 $18.50 3
Healthy Paws 93.5 $45.88 1

*Based on sample quotes for a mixed four-year-old dog in Raleigh, North Carolina
**Based on scores pulled from each company’s BBB profile as of December, 2021

Frequently Asked Questions about Spot Pet Insurance

How much does Spot pet insurance cost?

Pet insurance rates can vary depending on your dog or cat’s breed, age, and specific location. Spot also offers a wide range of flexible pricing options, which can make premiums decrease or increase depending on your choices. However, the average cost for accident and illness coverage with a $5,000 annual limit, $500 deductible, and 80% reimbursement is around $30–$50 per month for dogs and $18–$25 per month for cats.

How long is the waiting period for Spot pet insurance?

Spot pet insurance has a standard 14-day waiting period for both accidents and illnesses, meaning any injuries or conditions that occur within those 14 days after the policy’s effective start date aren’t eligible for claims.

Does Spot pet insurance cover pre-existing conditions?

Spot doesn’t cover any pre-existing conditions before enrollment or during the waiting period. However, curable conditions may be covered after 180 days.

How do I reach Spot’s customer service?

You can contact Spot’s customer service through email, a form on its website, or by calling during the following hours: Monday through Friday, 8:00 a.m. to 8:00 p.m. EST. Alternatively, you can use the customer portal to submit a claim or manage your policy.

Our Conclusion

Whether you’re looking for affordable plan options or coverage for microchipping, prescription diet foods, and exam fees, we recommend getting a quote from Spot.

However, before purchasing a policy, we suggest comparing Spot with a few other top-rated pet insurers like Lemonade or Healthy Paws.

Our Rating Methodology

The This Old House Reviews team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

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