Spot Pet Insurance Review 2022: Pros and Cons

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BaghdadTime score 

BaghdadTime’s scores are decided by our editorial workforce. The scoring method takes under consideration shopper criticism and buyer satisfaction knowledge.

Plans supplied: Accident and sickness, accident-only, wellness.

Breadth of protection: Wonderful.

Vary of plan choices: Wonderful.

Pays your vet immediately: No.

The underside line: Spot affords a variety of protection decisions for pet house owners however received’t pay your vet immediately.

How we overview pet insurance coverage

Our writers and editors comply with strict editorial pointers that guarantee equity and accuracy with the intention to provide help to select the monetary merchandise that work greatest for you. In our pet insurance coverage opinions, our editorial workforce considers each the shopper and the insurer. These are a number of the elements we have in mind:

Plans supplied. Pet insurance coverage firms usually supply the next three varieties of plans:

  • Accident and sickness insurance policies reimburse you for medical remedy in case your pet will get sick or injured.

  • Accident-only insurance policies pay bills in case your pet is injured.

  • Wellness plans provide help to price range for preventive care prices.

Breadth of protection. We appeared for plans that cowl a variety of potential bills.

Vary of plan choices. This class seems to be at what number of methods you possibly can customise what you pay in your plan and the way you’re reimbursed.

Pays your vet immediately. This means whether or not an insurer pays your vet immediately for medical bills. With this service, you don’t should pay the cash your self upfront after which look ahead to reimbursement.

Spot pet insurance coverage sells plans for cats and canines nationwide. It has two essential plans: accident and sickness, and accident-only. For each plans, Spot has no higher age restrict for pets, and clients can go for limitless annual payouts.

Spot additionally affords two preventive care plans that may be added to your pet’s coverage. These plans reimburse you for bills like wellness exams and dental cleanings, as much as your protection restrict.

Spot pet insurance coverage


BaghdadTime score 

BaghdadTime’s scores are decided by our editorial workforce. The scoring method takes under consideration shopper criticism and buyer satisfaction knowledge.

Spot earned 4.5 stars out of 5 for general efficiency. BaghdadTime’s scores are decided by our editorial workforce. The scoring method takes under consideration shopper expertise, protection choices and monetary energy scores.

Spot professionals and cons

Covers issues many insurers don’t, resembling prescription meals and behavioral modification.

Is not going to pay your vet immediately.

Covers some pre-existing circumstances if they’ve been cured and treatment-free for 180 days.

Limitless annual protection possibility out there.

State availability

Spot pet insurance coverage is obtainable in all 50 states and Washington, D.C.

Spot pet insurance coverage

Spot pet insurance coverage affords the next three varieties of protection.

Accident and sickness

Spot’s accident and sickness plan offers protection in your canine or cat in the event that they maintain accidents resembling bites, cuts or damaged bones. This plan can even cowl remedy for most cancers, urinary tract infections or different diseases.


Spot’s accident-only plan covers surprising accidents, however doesn’t present protection for sickness.

Further preventive care plans

A preventive care package deal might be added to both of the plans above. Spot affords two preventive care choices: gold and platinum.

The gold possibility is extra inexpensive and covers issues like dental cleanings, wellness exams and deworming. Spot’s platinum care possibility has larger limits and provides protection for flea and heartworm prevention and sure screening exams.

What Spot pet insurance coverage covers

Spot’s customary accident and sickness coverage covers:

  • Different remedy like acupuncture and stem cell remedy. The remedy should be performed by a veterinarian at a medical facility.

  • MRI or CT scans and X-rays.

  • IV fluids, IV medicines and prescription medicine.

  • Prescription meals and dietary supplements to deal with a lined medical situation.

  • Exams, surgical procedure and hospitalization.

  • Therapy for behavioral points when performed or prescribed by a veterinarian.

  • Pre-existing circumstances which have been cured and treatment-free for 180 days. This doesn’t embody any pre-existing knee or ligament circumstances.

Spot’s accident-only plan covers:

  • Different remedy, resembling acupuncture or hydrotherapy, when carried out or supervised by a licensed veterinarian.

  • Prescription meals and dietary supplements to deal with a lined situation.

  • Prescription medicines.

  • Exams, surgical procedure and hospitalizations.

Spot’s gold preventive plan covers:

  • Sure vaccinations and screening exams.

Spot’s platinum preventive plan covers every thing the gold plan does, plus:

  • Heartworm and flea prevention.

The platinum plan additionally affords larger protection limits than the gold plan for sure companies.

What’s not lined

Spot’s accident and sickness plan doesn’t cowl:

  • Aesthetic, beauty, endodontic or orthodontic dental companies.

  • Anal sac expression or resection.

  • Prices related to breeding or being pregnant.

  • Pre-existing circumstances that happen in the course of the ready interval or earlier than to procure your coverage, except symptom-free for not less than 180 days.

  • Prescription meals or dietary supplements that don’t deal with a lined situation.

  • Sickness or damage as a result of mistreatment, racing or organized combating.

Spot’s accident-only plan is not going to cowl the above or remedy for any sickness.

Spot’s preventive plans received’t pay for something aside from the wellness companies listed within the protection part above.

Spot protection choices

Deductibles: A deductible is the quantity you have to pay your self earlier than your plan will begin reimbursing you for vet bills. For Spot’s accident and sickness plan and accident-only plan, deductible choices are $100, $250, $500, $750, and $1,000 per yr. Preventive care plans would not have a deductible.

Reimbursement quantities: After you meet your annual deductible, Spot pet insurance coverage will reimburse you for a sure share of your vet bills, as much as your protection restrict. For each of Spot’s essential plans it’s possible you’ll select a reimbursement share of 70%, 80% or 90%. Reimbursement percentages don’t apply to preventive care plans.

Protection limits: Spot’s annual protection limits vary from $2,500 to limitless.

Restrictions and ready intervals

Age restrictions: Spot has no higher age restrict and can insure pets 8 weeks or older.

Ready intervals: A ready interval is the time between while you purchase your coverage and when your protection begins. Spot pet insurance coverage has a ready interval of 14 days.


Spot affords a ten% multi-pet low cost.

Client expertise

Web site: Spot affords an easy-to-navigate web site that enables customers to get a free quote and enroll their pet proper from the location. It additionally has a sturdy FAQ web page that solutions many questions clients could have. There are pattern insurance policies on the web site for many who desire a extra detailed have a look at their protection choices.

App: Spot’s app is obtainable for each Android and iOS. Prospects can view their coverage and file and monitor a declare, proper from the app.

Claims: You’ll be able to file a declare from Spot’s web site or by way of its cell app. You’ve 270 days from the date of remedy to file a declare. With Spot, you pay your vet payments upfront, then submit your payments to the corporate for reimbursement.

Customer support: You’ll be able to contact Spot customer support Monday via Friday, 8 a.m. to eight p.m. Japanese time. Spot’s cellphone quantity is 800-905-1595. It’s also possible to submit an electronic mail by way of the corporate’s contact web page.

Spot vs. opponents

Right here’s how Spot stacks up towards two different widespread pet insurance coverage firms.

Spot vs. Pumpkin pet insurance coverage

Pumpkin sells an accident and sickness plan and an add-on for wellness bills, however in contrast to Spot, it doesn’t have an accident-only possibility. Each firms supply a limiteless annual protection possibility for canines and cats.

All Pumpkin plans reimburse customers 90%, whereas Spot’s reimbursement charges fluctuate. Pumpkin might be able to pay your vet immediately. With Spot, you pay your payments upfront after which are reimbursed.

$7,000 to limitless for cats; $10,000 to limitless for canines.

Spot vs. Wholesome Paws

In contrast to Spot, Wholesome Paws pet insurance coverage affords just one accident and sickness plan, with no choices for accident-only or wellness protection. Wholesome Paws’ customary accident and sickness plan is much less complete than Spot’s, with no protection for examination charges, prescription meals or dietary supplements.

Like Spot, Wholesome Paws has a limiteless annual protection possibility and numerous reimbursement share ranges. Whereas Spot doesn’t specify a typical claims processing time, Wholesome Paws handles most claims inside two to 10 days.

$100 to $1,000 per yr. (Not all choices can be found to all pets.)

50%, 60%, 70%, 80% or 90%. (Not all choices can be found to all pets.)

Regularly requested questions

Does Spot pet insurance coverage cowl neutering or spaying?

Spot’s platinum preventive care plan reimburses clients as much as $150 for spaying and neutering, with no deductible. None of Spot’s different plans covers this service.

How do I cancel Spot pet insurance coverage?

You should contact Spot on to cancel your plan. You’ll be able to name 800-905-1595 or electronic mail [email protected].

How a lot is Spot pet insurance coverage?

The price of your plan will rely upon data like the place you reside and the age and dimension of your pet.

Spot’s elective preventive care platinum plan prices a further $24.95 monthly, whereas its preventive care gold plan prices a further $9.95 monthly.

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