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.
Our Rating for Spot Pet Insurance
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 pet insurance 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.
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 1997. This means that Spot claims, billing, and customer service are handled by Crum & Forster (C&F) Insurance Agency, Inc. instead of Spot.
You can visit Spot’s website to get a free quote online.
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 Plans and Coverage
Spot has two plans: the Accident-Only Plan and the Accident and Illness Plan.
Spot Plans
- 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:
Tests
- MRIs
- CT scans
- X-rays
- Lab test fees
- Exam fees
Medication
- Prescription medications
- Medical supplies
Procedures
- Tooth extractions
- Surgery
- Hospitalization
- Microchipping
- Alternative therapies
- Stem cell therapy
- End-of-life expenses
Diet
- Prescription diet food
- Poison control consultation
Preventive Care Options
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:
| 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 sample pet insurance quotes for dogs and sample pet insurance quotes for 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.
| 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 |
Discounts
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 right…an 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:
FAQs About Spot Pet Insurance
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.
To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.