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Spot Review

Thursday, May 30th

2024 Pet Insurance Company Reviews

Spot Review 4.5 Star Rating


4.5 Star Rating
  • Covers cats and dogs only
  • Choose accident and illness or accident only
  • Exams fees related to accident/illness covered
  • Access to a 24/7 vet helpline

If you're looking for a pet insurance plan where you can choose the options to fit your pet's needs as well as your budget, Spot is a good choice. There are two plan choices, two optional routine care choices, and a wide range of ways to lower premium or raise coverage.

Two policy choices available

With Spot, you can choose between an Accident and Illness policy and a less expensive Accident policy. The Accident and Illness policy covers the following if they're related to an accident or illness: MRIs, CT scans, x-rays, stem cell therapy, surgery, hospitalization, and cancer treatment. Other features are covered such as prescription medications, supplements, and food (if prescribed for a treatment covered with your policy), medical supplies such as bandages and casts, treatment for behavioral issues, and microchipping. The Accident policy won't cover anything related to illness.

What's not covered is pretty standard

Spot's list of non-eligible treatment is similar to other pet insurance companies, and that includes pre-existing conditions, supplements for general health maintenance, illness or injury from intentional, negligent, or malicious activities, cosmetic procedures, breeding, pregnancy, whelping, nursing, or boarding. These items are quite consistent with other pet insurance companies.


  • Dogs start around $16 per month (for a one-year old mixed breed)
  • Cats start around $8 per month (for a one-year old mixed breed)

Optional Routine Care coverage

There are two levels of routine care policies you can get with Spot: Gold and Platinum. With the Gold package (at $9.95 per month), you can get up to $250 per year reimbursed for wellness exams; vaccinations; fecal, Feline FELV, canine heartworm tests, deworming, and dental cleanings. The Platinum package (at $24.95 monthly) will allow you all of the Gold features plus spaying/neutering, Bordetella vaccine, flea and heartworm prevention, blood tests, urinalysis, and a health certificate, and will reimburse you up to $450 for it. Note that there's a limit per year specifically on the flea/heartworm prevention and wellness exam.

Waiting period of 14 days

Typically, there's a waiting period from when your pet insurance policy starts to when you can make a claim, and Spot is no different. Spot has a 14-day waiting period. Many have the same, and a few have shorter waiting periods. Some companies have a several-month waiting period for cruciate ligament issues, but Spot does not.

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Choose your premium

You have ways you can adjust your Spot policy and premium to fit your needs and budget. You can choose a deductible between $100 and $1,000, reimbursement amounts between 70% and 90%, and your max annual payout from $2,500 to $10,000, or unlimited. The less coverage, the lower the premium, and vice versa. Consider the age, breed, and current health of your pet along with your budget and choose your options accordingly.

Older pets covered here

Older pets can be expensive to insure, but consider that some companies won't insure older pets at all. Spot will insure an older cat or dog, regardless of age.

Discounts may apply

There's a 10% discount if you have an additional pet in your home to insure, and there's a 10% employee discount if your company offers this benefit.

Customer feedback is usually good

Most customers whose reviews we've seen are quite pleased with Spot, stating that they've experienced ease in making a claim and receiving quick claims payments. We noticed that a few have said that they had a hard time getting an answer on Spot's customer service phone line.

There are a lot of good choices with Spot

Spot knows that our pets are members of the family, and they offer pet insurance that covers treatments your pet may need. What they cover is typical and what they don't cover is also typical. What stands out to us is that there are two policy choices and two optional routine care choices, along with the wide range of choices in deductible, max payout, and so on, to fit your budget. There are few complaints about Spot, so we feel very comfortable giving them one of our highest ratings.

Which Pet Insurance is the Best?

We love our fur babies and want to help them live as long and as healthy as possible. Pets take daily care, and they also require vet visits, whether for wellness, to update vaccinations, if they are ill or in an accident. Veterinarian bills can be expensive, so many owners have chosen pet insurance.

Pet insurance has only been around since 1982, so if you don't know much about it, that's understandable. Pet insurance can be similar to human health insurance where you can see a provider for wellness visits, illness, or accidents. There are in-office visits, telehealth, and 24/7 availability for answering questions.

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Pet Insurance Company FAQ

Generally speaking, all ages are welcome when it comes to providing your pet with pet insurance. As the pet gets older rates may be more expensive than if you would have gotten coverage at a younger age. Please keep in mind some companies have age restrictions for when they can accept a dog or cat into their insurance plan. Typical restrictions are around 12+ years of age.
No one can forecast when your dog or cat is going to digest something they shouldn't have or have an accident related injury. Luckily, pet insurance helps to protect the pet owner against unexpected veterinary bills that can reach into the $1,000s.
It is recommended to get pet insurance before winter or summer seasons. During those seasons, there are more dangerous elements that are exposing your pet to potential illness and accidents. As far as age goes for the puppy, insurance companies recommend getting your pet insurance when your new best friend arrives home.
Typically, insurance companies only insure cats and dogs. But some companies will insure dogs, horses, other large animals, cats, other small animals, rodents, reptiles, and birds.
Depending on the company, a pet insurance claim can be sent via several different methods. Methods can include email, fax, or regular mail. When completing a claim make sure to include all of your paid vet bill invoices, and any other required documents. When the claim is processed it will either be accepted with a reimbursement, more information needed (i.e. incomplete claim form), or denial (i.e. due to non-coverable services)
Of course, your pet insurance travels with you, wherever you go. Some insurance companies may have restrictions when it comes to international travel. Make sure to check with your pet insurance company if you plan on taking your furry friend across the border.
It depends greatly on which company and plan you decide to go with. Most pet insurance companies cover accidents and illnesses after a waiting period. If the illness is a preexisting condition, you're likely not to receive any coverage. It's important you understand the fine print of any plan you may decide to go with.
In general, veterinarians do not handle pet insurance claims. Veterinarians and the owner make choices for the pet's medical care and overall health. If the care is covered by the insurance, the insurance company will reimburse the owner a percentage of the bill (depending on the chosen insurance plan's coverage) after the care and service has been performed.
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Continued from above...

However, you should be aware of some essential differences between human health insurance and pet insurance. The vet doesn't file a claim, like your own provider would. You pay the vet bill, submit the claim online or on your phone, and then you're reimbursed by the insurance company - the vet doesn't get involved. Wellness care can be an add-on rider to cover a routine exam, vaccinations, spay/neuter, teeth cleaning, and so on.

Although accidents are the most common to be covered, many companies don't cover illnesses such as diabetes, allergies, or infections. Younger pets may cost less to insure, but that will greatly increase as they age; and when they are elderly, the company may even drop the coverage, so be sure to ask about aging pets, even when your pet is young. You can choose your deductible, copay, max annual reimbursement, and optional add-ons. Find out what coverage they recommend for your breed, and ask about multiple-pet or other discounts.

More dogs have pet insurance than any other animal, and the rate for cats is about half that of dogs. Owners of indoor cats might think they don't need pet insurance, but older felines can have chronic or recurring conditions which might require costly care or frequent vet visits.

While you might not expect your pet to become ill or have an accident, those vet bills can be quite costly, especially if a procedure, surgery, or ongoing care is needed. Unless you're budgeting in anticipation of these, pet insurance could be quite the relief for when you need it. If you have an older pet or pet prone to certain conditions, prices can vary greatly between companies, so we suggest getting quotes from a couple of your favorite companies before you make your final decision. In addition, even if you are getting a puppy or kitten, ask about coverage and premiums as if they were older so you get a look into the future.

When choosing which pet insurance provider is right for you, here are a few things to consider:

  • Your pets and their age(s). You may have a cat or dog now, but if there's a possibility of someday adding a hamster, bird, or turtle, will your pet insurance cover the exotic pet? Is there a multiple-pet discount? As your pet ages, he might be prone to diabetes, accidents, and more-frequent office visits, so be sure to ask if coverage lessens, gets more expensive, or even stops with these conditions.
  • Reimbursement. If you have a pet that might require a lot of medical bills, you should consider a plan with up to 100% covered on the vet bills.
  • Choice of vet. Similar to a human's health insurance, your pet's health insurance company may have in-network vets and others that are out-of-network that they won't cover fully or at all.
  • In-office or at home. Typical plans will offer in-office visits. You should consider telemedicine, in-home care, or availability in other countries if you plan on traveling.
  • Pre-existing conditions. See if your potential pet insurer will look at your pet's medical record to find out upfront if there are any pre-existing conditions that wouldn't be covered, so there are no costly surprises. Do this even before you purchase.
  • Type of plan. You might want your insurance to cover more than just routine vet visits. Consider accidents, wellness care, routine care, preventative care, behavioral treatment, and alternative therapies. Your pet could have better health coverage than you!
  • Discounts and rewards. Some companies will give a multiple-pet discount, and others offer rewards for wellness and routine care.
  • Helpline. Whether you're new to owning a pet, have a different breed than you're accustomed to, or just worry about your pet, some insurance companies are available 24/7 for help or even for telehealth visits.

TopConsumerReviews.com has reviewed the best pet insurance companies available today. We hope this information helps you to get the best pet insurance for your fur baby so they can be well cared for in a long, happy, and healthy life!

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