Spot Pet Insurance Review

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Quick Take: Spot Pet Insurance offers two plans for pet parents, including an accident-only plan. It's available for pets no matter their age and offers not-so-common coverages, such as for behavioral issues and prescription foods. 
  • Cost
  • Features
  • Available Plan Options
  • Additional Coverage
How did we calculate this?


  • Up to 90% reimbursement rate
  • Eligible for use in the U.S. or Canada at any licensed vet, specialist or ER clinic
  • Accident-only coverage for under $1 daily
  • Multi-pet discount of 10%


  • Limited discount options
  • Comparatively high premiums
  • 14-day waiting period

Spot Pet Insurance Overview 

When you choose Spot Pet Insurance as your pet’s provider, you can visit any licensed vet in the U.S. or Canada. However, you’ll have to wait 14 days for coverage to kick in. Spot also offers a 10% discount if you enroll more than one pet and the option to customize your pet’s coverage via policy limits, reimbursement rate and deductible amount to better fit your budget.

Key Features 

To help you understand whether Spot Pet Insurance is right for your pet and budget, here are the highlights of its key features. 


When it comes to cost, Spot Pet Insurance isn’t the cheapest or the most expensive, though its average premiums trend higher than some of its competitors. Its most popular plan, the Accident & Illness plan, starts at $18 per month, while the Accident-Only plan starts at $16 per month for dogs. The Accident & Illness plan for cats starts at $13 per month, and the Accident-Only plan for felines starts at $10. 

You can also customize your coverage to see how your monthly premiums will change. For example, you can choose annual coverage limits of $2,500, $3,000, $4,000, $5,000, $7,000, $10,000 or unlimited coverage. You can also choose your reimbursement rate for pet care of either 70%, 80% or 90%, which kicks in after you meet your annual deductible. Deductible options include $100, $250, $500, $750 or $1,000. 


Spot Pet Insurance offers a variety of features, making it a value for consumers, including the following:

  • Eligibility to visit any vet in the U.S. or Canada for care
  • No per-incident or lifetime caps
  • Microchip implantation coverage
  • 10% multi-pet discount
  • 30-day money-back guarantee
  • No upper age limit
  • One annual deductible
  • Coverage for behavioral issues and prescription foods
  • Coverage for exam fees

Available Plan Options

Spot Pet Insurance offers two available core plan options: 

  • Accident & Illness: This plan is the company’s most popular plan. It starts at $18 per month for dogs and $13 per month for cats. The plan covers exam fees for covered conditions, dental illnesses, tooth extractions for dental accidents, and cancer treatments, including radiation and chemotherapy. It also does not require preventative care treatments for covered illnesses.
  • Accident-Only: The Accident-Only plan covers pets who accidentally become injured or require medical attention, such as those who swallow foreign objects or sustain broken bones, stings or bites. It also covers the surgery and hospitalization related to pet accidents. This plan starts at $16 per month for dogs and $10 per month for cats. 

Additional Coverage

Spot offers two additional forms of coverage that can be added to your core plan.

Gold Preventative Care

The Gold coverage costs an additional $9.95 a month and offers up to $250 in annual benefits, including the following:

  • $100 toward dental cleaning
  • $50 toward a wellness exam
  • $20 toward deworming
  • $20 toward dog DHLPP or cat FVRCP
  • $20 toward a fecal test
  • $20 toward canine heartworm or feline FELV test
  • $20 toward rabies, dog Lyme or cat FIP

Platinum Preventative Care

The Platinum coverage is an additional $24.95 monthly and offers up to $450 in annual benefits:

  • $150 toward dental cleaning or spay/neuter services
  • $50 toward a wellness exam
  • $25 toward deworming
  • $25 toward a health certificate
  • $25 toward flea/heartworm prevention
  • $25 toward canine DHLPP or feline FVRCP 
  • $25 toward a fecal test
  • $25 toward dog bordetella or cat FELV vaccine
  • $25 toward dog heartworm or cat FELV test
  • $25 toward a blood test
  • $25 toward a urinalysis
  • $25 toward rabies, dog Lyme or cat FIP

How Spot Pet Insurance Stands Out

Spot Pet Insurance offers a combination of benefits that other pet insurance companies do not commonly offer. For example, its core policy covers microchip implantation by a veterinary professional, which is something other popular pet insurance companies do not offer. Additionally, its coverage for behavioral issues and prescription medication is not common among popular pet insurers.

Comparable Pet Insurance Options

Here are a couple of comparable pet insurance options to understand how Spot stacks up to its competition. 

Pets Best

Like Spot, Pets Best offers a multi-pet discount. However, while Spot offers a 10% discount for enrolling more than one pet, Pets Best only offers a 5% discount. Even so, one benefit Pets Best offers that Spot does not is the option to have qualifying vet bills paid directly by the company. This can be helpful if you are faced with a large animal care expense you were not expecting. 

Embrace Pet Insurance

Embrace offers a 10% multi-pet discount just like Spot does. However, Embrace also offers an additional 5% discount if you or someone in your immediate household are active or former members of the Air Force, Army, Navy, Marines or Coast Guard. Even so, while Spot offers microchip implantation as part of its core plan, Embrace charges extra for this service through its optional preventative care plan.

How To Apply 

To apply for Spot Pet Insurance, follow these steps:

  1. Head to the Spot Pet Insurance website and click on the red “Click For Price” button.
  2. Enter information such as your pet’s name, age and breed. You’ll also enter your name, ZIP code and email address. A phone number is optional.
  3. Click the red “Select Coverage” button. 
  4. Review the coverage options and costs and select the plan that’s best for your budget.
  5. Click the red “Proceed to Checkout” button and pay the amount due.

Who Spot Pet Insurance Is Best For 

Spot Pet Insurance is best for pet parents who plan to take advantage of at least several of the benefits in the company’s core plan to offset the cost, such as microchipping their pets, which costs, on average, about $45 out of pocket. Spot also offers additional preventative care coverages at an extra cost of $9.95 or $24.95 monthly. The Gold preventative plan at $9.95 is a good value, offering up to $250 in benefits for services that conscientious pet owners will likely opt in to for each year. 

Final Take

Spot Pet Insurance offers good value for the cost of its premiums. However, its policies do not cover all types of care. To get the best deal for your pet and budget, it can pay to shop around.  


Here are some of the most commonly asked questions about Spot Pet Insurance.
  • Is Spot Pet Insurance a good insurance provider?
    • Yes, according to various online Spot Pet Insurance reviews, including this one, Spot Pet Insurance is considered a good insurance provider. The company also has a rating of 4.2 out of 5 stars on Trustpilot.
  • How long has Spot Pet Insurance been in business?
    • Spot Pet Insurance has been in business since 2019.
  • What type of pet insurance does Spot offer?
    • Spot offers accident-only pet insurance coverage and illness and accident coverage for dogs and cats.
  • Is there a waiting period for Spot Pet Insurance?
    • Yes. There is a 14-day waiting period for coverage to kick in.

Information is accurate as of July 11, 2023.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.


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