Spot Pet Insurance Review
We know you love your pet and want to provide them with the best of everything: the best bed, the best food, the best grooming, and the best medical care. A policy through Spot Pet Insurance gives you a sense of security in knowing you’ll be able to cover the costs of expensive and often unexpected medical bills.
With so many pet insurance options available, it can be challenging to choose the right one. That’s why we’ve compiled a list of the best pet insurance providers. In this review, we’re taking a closer look at Spot Pet Insurance, with coverage options up to unlimited annual limits, to help you make the best decision for your furry friend.
Pros
Up to unlimited annual coverage
Up to 100% reimbursement
Deductibles as low as $100
10% multi-pet discount
24/7 Pet telehealth
Wellness Packages available
Annual pay discounts
Cons
14-day waiting period
Reimbursement option only, no direct pay
Exclusions for breeding/pregnancy care
Must purchase wellness package for preventative care coverage
Spot Pet Insurance Review: Features and Benefits
Spot Pet Insurance is designed for both pets and pet parents. Its customizable options allow you to create a policy that fits your budget, and its coverage includes elder pet care, microchip placement, alternative therapies, specialist care, dental illness, chronic conditions, and more.
- 24/7 On-Demand Pet Telehealth
- Microchip coverage is included in most plans
- Multiple wellness packages available for add-on
- No pre-requisite vet exam for enrollment
- Maximum annual coverage $2,500-unlimited
- Deductible options as low as $100
Furthermore, they offer a 30-day money-back guarantee. If you’re dissatisfied for any reason within the first 30 days, you can cancel your policy and receive your money back.
Another thing we love about Spot is their commitment to giving back. Visit their newsroom, and you’ll find countless articles that outline donations and coverage they’ve provided to help pets in need. In 2023, Spot teamed up with Mr. Beast, a popular YouTube star, to help find homes for 100 pets. Once they found homes, Spot pledged to cover their medical costs for life, a promise that could cost upwards of $1,000,000.
Spot Pet Insurance Review: Editorial Rating
Trusted Company Reviews Rating Score for Company name: 9.1/10
SPOT was a top contender on our list of the best pet insurance in California. They stood out among the rest for their fantastic customization options. Pet parents can choose from Accident & Illness, Accident only, or Preventative Care plans and customize their coverage to create the policy that best fits their needs.
| SPOT | |
| Reimbursement or direct Pay? | Reimbursement |
| Maximum Annual Coverage | $2,500-Unlimited |
| Reimbursement Options | 70%, 80%, 90%, 100% |
| Deductible Options | $100, $250, $500, $750, $1000 |
| Waiting Period | 14-Day |
| Multi-pet discount | 10% |
| Additional Options | 24/7 Pet Telehealth, Annual payment discounts, Wellness packages |
| Exclusions | Pre-Existing Conditions, Breeding/Pregnancy Care, Cosmetic Surgeries, Preventative Care |
Spot Pet Insurance Review: Policy Options
A deductible is the amount of covered expenses you must pay each year before Spot begins reimbursement. Higher deductible plans are more affordable, but lower deductible plans will save you more money on vet bills in the future.
Annual coverage is the amount of reimbursement you can receive in a year. After you receive reimbursements totaling the cap amount, you’ll be responsible for all vet bills. Spot is one of only a few pet insurance carriers that offers an unlimited annual limit option.
The reimbursement percentage is the amount of the covered expense that you’ll receive back after your pet sees the vet. Choosing a higher reimbursement percentage increases the money Spot will return to you after a vet visit. Decreasing the reimbursement percentage will lower your monthly premium.
Here’s an example of how this works.
| Spot Policy Comparison | |
| You’ve chosen a policy with a $100 deductible, unlimited annual coverage, and a 100% reimbursement rate. You haven’t used your Spot pet insurance yet this year, and you’re outside of your waiting period. | You’ve chosen a policy with a $500 deductible, a $2,500 annual coverage limit, and a 70% reimbursement rate. You haven’t used your Spot pet insurance yet this year and are outside your waiting period. |
| When your pet becomes ill, you take them to the vet. | When your pet becomes ill, you take them to the vet. |
| The vet bill is $1,000. | The vet bill is $1,000. |
| You’ll pay the vet bill and submit the claim to Spot. | You’ll pay the vet bill and submit the claim to Spot. |
| If $1,000 of the bill falls under covered expenses, you’ll receive back $900. This is 100% of the covered amount minus your $100 deductible. | If $1,000 of the bill falls under covered expenses, you’ll receive back $350. This is 70% of the bill minus your $500 deductible. |
| You’ll receive reimbursement for 100% of covered expenses for the rest of the year. | You can now receive 70% reimbursement on the rest of your covered vet expenses for the remainder of the year, up to $2,150. |
How much does Spot Pet Insurance cost?
Spot pet insurance’s customizable plans start at just $9/month for cats and kittens or $15/month for dogs and puppies. The plan costs are variable depending on which policy you choose and how much coverage you request.
Is my pet too old for a Spot Pet Insurance policy?
Spot pet insurance does not enforce an upper age limit, meaning you can purchase a policy for your pet from 8 weeks old and well into old age. Spot recommends purchasing your policy as early as possible to avoid missing out on coverage due to pre-existing conditions.
Spot Pet Insurance Review: Plans and Coverages
Spot Pet Insurance is fully customizable. Their plans start at just $9 per month, allowing you to add the benefits that best fit your budget. Furthermore, you’ll receive a discount of approximately 5% for paying annually rather than monthly.
Once you’ve chosen your plan and determined the annual limit, reimbursement rate, and annual deductible that works best for you, you’ll have the option to enhance your policy with two tiers of upgrades.
Gold Preventative Care Coverage for $9.95/month
Platinum Preventative Care Coverage for $24.95/month
| SPOT | |||
| Covered Under Basic Policy | Covered Under Gold Preventative Care | Covered Under Platinum Preventative Care | Excluded |
| Exam Fees | Dental Cleaning | Dental Cleaning | Pre-Existing Conditions |
| Accident Care | Limited Vaccinations | Vaccinations | Funeral Expenses |
| Illness Care | Fecal Tests | Fecal Tests | Burial Plots |
| Tooth Extractions | Wellness Exams | Wellness Exams | Day Care/Boarding |
| Microchip Implantation | Heartworm Screening | Heartworm Screening | Breeding Costs |
| Prescription Pet Food | Deworming | Deworming | Cosmetic Procedures |
| IV Fluids & Medications | Spaying & Neutering | Anal Gland Expression | |
| Medications & Supplements | Flea & Heartworm Prevention | Grooming | |
| Stem Cell Treatment | Health Certificate | Non-Medical Supplies | |
| Surgery | Urinalysis | Organ Transplants | |
| Hospitalization | Additional Vaccinations | Maintenance Pet Food | |
| Lab Tests | Blood Testing | Avian Flu Treatment | |
| Cancer Treatment | Nuclear Radiation | ||
| Behavioral Treatment | Injury Related to War | ||
| Euthanasia | |||
| Burial & Cremation | |||
Additional Plan and Coverage Information
Spot Pet Insurance Waiting Period Information
Spot pet insurance enforces a straightforward 14-day waiting period. This aligns with most other pet insurance companies but without the hassle of multiple waiting periods for different conditions. You’ll simply purchase your policy and be able to utilize the service after just 14 days.
Please remember that any illness or injury that occurs before the conclusion of the waiting period will not be covered.
Spot Pet Insurance Reviews
Spot Pet Insurance has a Trustpilot score of 4.7/5, and 82% of its reviews give it five stars.
Many reviewers praised Spot’s swift turnaround time on reimbursements, with some stating they received their money in less than a week. Multiple consumers were pleased they received more back than expected on expensive vet bills. One particular consumer praised Spot’s performance after a terrible illness struck her pet. Spot covered the pet’s care as promised. Unfortunately, the pet eventually needed to be euthanized. When this happened, Spot proactively ended the policy and refunded the pet parent a portion of their balance. They also sent kind notes offering condolences on the loss of the pet.
Negative reviews focused heavily on coverage concerns. Some consumers were frustrated that Spot only covered one round of vaccinations for their puppy, requiring several rounds. Others didn’t appreciate that itemized veterinarian bills left them to pay for portions they didn’t expect. A representative from Spot appears to reach out to each pet parent with concerns and attempts to reconcile the issue.
Spot Pet Insurance Vs. Embrace
Spot Pet Insurance and Embrace Pet Insurance both landed on our list of the best pet insurance in California. Both companies offer reimbursement-style policies and unlimited annual coverage maximums. They’re also similar in their deductible and reimbursement choices.
Spot stands out above Embrace with its 100% reimbursement option. They also have a straightforward 14-day waiting period, whereas Embrace’s waiting period is 16 days for illness coverage and six months for orthopedic coverage.
However, veterans may appreciate Embrace’s veteran discount, which can be used in addition to the multi-pet discount for significant savings.
| SPOT VS EMBRACE | ||
| SPOT | EMBRACE | |
| Reimbursement or direct Pay | Reimbursement | Reimbursement |
| Maximum Annual Coverage | $2,500-Unlimited | $5,000 -Unlimited |
| Reimbursement Choices | 70%, 80%, 90%, 100% | 70%, 80%, 90% |
| Deductible Choices | $100, $250, $500, $750, $1000 | $100, $250, $500, $750, $1000 |
| Waiting Period | 14-Day | 16 days for illness coverage, 6 months for orthopedic coverage |
| Multi-pet discount | 10% | 10% |
Spot Pet Insurance Alternatives
Need other options to help protect your pets? Here are other pet insurance reviews by Tammy at Trusted Company Reviews:
- Lemonade Pet Insurance
- Careplus by Chewy Pet Insurance
- ASPCA Pet Insurance
- Fetch Pet Insurance
- Embrace Pet Insurance
Frequently Asked Questions
Where is Spot Pet Insurance accepted?
How to Cancel Spot Pet Insurance.
Is Spot a good pet insurance?
Does Spot Pet Insurance cover neutering?
Does Spot Pet Insurance pay the vet directly?
How long does Spot Pet Insurance take to reimburse?
Does Spot Pet Insurance cover vaccines?
Tammy McKinney, RN, is a seasoned registered nurse and accomplished healthcare and personal finance writer. With a background in acute care, long-term care, and hospice & palliative care, Tammy combines her medical expertise with her passion for writing to educate and inform the public on various health and finance-related topics.
Tammy McKinney
Last Updated: April 9, 2026
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