4.4
Rated 4.6 out of 5
106 user reviews
Excellent78%
Very good12%
Average3%
Poor2%
Terrible5%

Spot is great for pet parents who want to know what they can afford on a budget. When browsing through the options, customers can adjust deductibles and reimbursement options to fit their needs.

There are two plans to choose from: accident only and accident & illness. Both provide extensive coverage such as scans, procedures and medication. Customers also have the option to add a wellness plan, either gold or platinum, to their existing policy if they want a bit of extra peace of mind.

Spot doesn’t just provide insurance services; it also has some great resources. On the company’s website, there is a tool that highlights how much vet fees for certain procedures would cost if someone doesn’t have pet insurance. It definitely shocks people.

FACT! Spot doesn't apply any extended waiting periods to policies for other conditions, such as ligament issues

Founded in

2019

Employees

50

Headquarters

Miami, FL

Petted Review

Good for pet parents who like to take control with its high flexible and wide-ranging coverage options. Its 24/7 pet telehealth helpline is also a bonus, but there’s 14-day waiting period for accidents and illnesses.

4.6
star star star star star
Read our full review

User Reviews

Spot
Rated 1 out of 5

I wish I could say SPOT will have your back, but i can't

My
0
-year-old
Australian Shepherd
in
Arizona
was insured by

I wish I could say SPOT will have your back, but I can’t… We purchased the policy when my puppy was 3 months old. He got into trouble and swallowed rocks twice: once before and once during the insurance waiting period. The first time, he went to the ER for an endoscopy to remove them from his stomach. The second time the Dr made him puke it out. He had diarrhea for a couple weeks after due to all these procedures, but it went away after some time. It was all paid out of pocket ($4K) because the policy wasn’t active at this time. Too bad timing didn’t work out but that was the rules we agreed to, no hard feelings there. After the waiting period was over, our dog started causing destruction around the house when left alone. He bit entire corners off the walls and literally ate two holes through the wall when left alone inside a gated kitchen for less than 1 hr. We consulted with the vet and they wrote a letter diagnosing separation anxiety and recommending behavioral treatment, which SPOT claims is covered. We submitted the letter from the Dr and letter from an animal behaviorist outlining a treatment plan to SPOT for approval. They denied coverage claiming that eating rocks when he’s with us is a sign of separation anxiety and is therefore a pre-existing condition. I argued it is unreasonable to claim that a behavior observed when accompanied is a symptom of separation anxiety, but they disagreed. They also disagreed with the Dr’s letter that, literally and word by word, states the diagnosis for separation anxiety is unrelated to eating rocks. SPOT formulated their own diagnosis for my dog that justifies rejection of coverage and denied the claim. At some point the diarrhea came back and lasted for weeks. The vet put him on medication for a month but wasn’t getting better so they recommended doing a full blood panel to diagnose any physical issues. SPOT rejected coverage for the vet’s medication, the blood panel and diagnostic tests claiming that because he had diarrhea before, it is a pre-existing condition and no treatment would be covered. I’m not one to leave bitter reviews around the internet but I at least felt I had to share my experience and warn others.

Guillermo
May 23, 2022
Spot
Rated 1 out of 5

Worst insurance I’ve ever had

My
3
-year-old
Mixed Breed Medium (23lb - 70lb)
in
Illinois
was insured by

The worst insurance ever. I’ve got a lot of complaints about pre-existing conditions – do not recommend.

Michael
May 22, 2022
Spot
Rated 1 out of 5

Claim still not reimbursed after 7 weeks

My
3
-year-old
Newfoundland
in
Michigan
was insured by

I submitted a claim for one of my dog on 5/2/2022 and I have contacted them several times. As of 6/24/2022 I still have not received a reimbursement (less than $50). I prepaid my premiums for 2 giant breed dogs for a year ($1,600). I think that I need to look for another insurance company

Terry
May 20, 2022
Spot
Rated 1 out of 5

I want preventative care

My
1
-year-old
German Shorthaired Pointer
in
Illinois
was insured by

I wanted preventative care and care to add it but when I went to my policy it was not on there and due to my work hours I could not call and still can’t call at the time

Tanesha
May 19, 2022
Spot
Rated 1 out of 5

Misrepresented coverage

My
3
-year-old
Pomeranian
in
New York
was insured by

I feel that there was misrepresentation regarding coverage. I’m stuck with a large bill that I thought would be covered. I’m HIGHLY disappointed. I also take issue with the website not allowing you to view claims. *In response to ManyPets, this is a lie. My dog went for vaccines and an issue was found. This is WHY people get insurance. I have never dealt with this in my life. Terrible company, terrible experience.

Kelly
April 21, 2022