How does Spot pet insurance work?
There are a wide range of plans available with Spot covering accidents, illnesses, hereditary conditions, and emergency care. Preventative care is an available extra and customers can customize deductible, reimbursement, and annual limit amounts – all of which will affect your monthly premium. The age, breed, sex, and location of your pet will also be used to calculate your quote. Claims can be submitted via the app, website, fax, or mail. They are then paid by direct deposit or through a check sent in the mail.
The benefits of Spot pet insurance
Flexibility and personalization is key with Spot insurance. You can add as little or as much as you want to your plan and there is coverage to suit every budget, starting from as low as $17 a month. You’ll also be able to claim a 10% multi-pet discount on added pets and a $25 Amazon gift card if you live in an eligible state – subject to availability. The 24/7 VetConnect™ telehealth service is a huge plus for pet parents who might need emergency support or extra guidance. There is also no upper age limit for enrolment.
Spot plans explained
The two types of basic plan are accident + illness cover or accident only. But each of these plans can be fully customized by annual limit ($2500-unlimited), reimbursement rate (70-90%), and annual deductible ($100-$1,000). From here you can also add a basic or premium preventative care plan at an extra cost.
What does Spot pet insurance cover?
Most Spot plans cover accidents, illnesses, hereditary and congenital conditions, behavioral issues, and alternative treatment – some of the most comprehensive insurance on the market. Exam fees, microchip implantation, and selected dietary supplements are also included which will be hard to find elsewhere.
Spot coverage vs. other insurers
How does Spot stack up against America’s other providers? Have a look in our handy table!
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|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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| Annual coverage options | $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited | $5000, $10,000, $20,000, $50,000, $100,000 | $5,000, $10,000, Unlimited | Unlimited | $5,000, $8,000, $10,000, $15,000, $30,000 | $5,000, $10,000, Unlimited | Unlimited | $5,000, Unlimited | $3,000, $4,000, $5,000, $7,000, $10,000 | Unlimited | $5,000, $10,000, $15,000 | $10,000, $20,000, Unlimited | $20,000 | $10,000 | $2,000, $5,000, $10,000 |
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| Deductible options | $100, $250, $500, $750, $1,000 | $100, $250, $500 | $100, $250, $500 | $100, $250, $500, $750 | $200, $300, $500, $750, $1,000 | $250, $500, $750, $1,000 | $100, $250, $500, $750, $1,000 | $50, $100, $200, $250, $500, $1,000 | $100, $250, $500 | $0-$1,000 | $300, $500, $700 | $100, $250, $500 | $250, $500, $1,000 | $250 | $50, $100, $250, $500 |
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| Reimbursement options | 70%, 80%, 90% | 70%, 80%, 90% | 70, 80, 90% | 70%, 80%, 90% | 70%, 80%, 90% | 70%, 80%, 90%, 100% | 70%, 80%, 90% | 70%, 80%, 90% | 70%, 80%, 90% | 90% | 70%, 80%, 90% | 90% | 90%, 100% | 50%, 70% | 70%, 80%, 90% |
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| When does coverage start? | 15 days | 2-14 days | 2 days accidents / 14 days illnesses | 15 days | 2-14 days | 1-14 days | 15 days | 3-14 days | 15 days | 5-30 days | 15 days | 14 days | 15 days | 14 days | 1-14 days |
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| Maximum age at sign up | No maximum | 14 years | 14 years for illness (no max for accident) | 14 years | 14 years for illness, no max for accident | No maximum | 13 years | No maximum | 18 years | 14 years | No maximum | No maximum | 16 years | 20 years | No maximum |
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| Are vet exam fees included at no extra cost? | | | | | | | | | | | | | | | |
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| Are dental accidents covered? | | | | | | | | | | | | | | | |
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| Are dental illnesses covered? | | | | | | | | | | | | | | | |
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| Is there a wellness plan offered? | | | | | | | | | | | | | | | |
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| Is there a virtual vet/telehealth service? | | | | | | | | | | | | | | | |
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| End of life coverage | | | | | | | | | | | | | | | |
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| Is there a multi-pet discount offered? | | | | | | | | | | | | | | | |
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| Is there a charge for paying monthly? | | | | | | | | | | | | | | | |
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| Is there an app to make claims? | | | | | | | | | | | | | | | |
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*Coverage is based on choosing unlimited coverage, 250 deductible and 90% reimbursement
Is Spot pet insurance good value for money?
Spot has the option to choose accident-only coverage and there are a host of customizable options to suit every budget. Customers can claim back up to 90% on their vet bill and set their own annual claim limit to be unlimited if they want to really make the most of pet insurance.
| 4-month-old Mixed Breed Medium | 2-year-old Golden Retriever | 6-year-old Domestic Shorthair Cat |
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| Los Angeles | New York | Florida |
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| | | |
| Pumpkin | $65.54/month | $87.30/month | $30.39/month |
| Paw Protect | $32.79/month | $66.76/month | $29.13/month |
| Spot | $47.09/month | $66.09/month | $28.23/month |
How good is Spot’s customer service?
Looking at recent reviews, the communication at Spot is second to none and customers love the fast payouts. The pet hotline and innovative app go a long way towards Spot’s great customer service.
How do I contact Spot?
Aside from the 24/7 Pet Health Helpline, customers can submit a question online via the contact page or phone the call center on 1-800-905-1595. Use the priority code SpotSpot_Top10 for urgent queries.
What is Spot’s claims process?
The quickest way to submit a claim to Spot is through the app or online form, by uploading a photo of your invoice and adding it to your claim submission. You can also send your claims form via fax or mail. Once your claim has been processed you will be paid with whichever method you selected - direct deposit or check in the mail. Keep track of your claim with the online customer portal or app.
How much will Spot pay for my claim?
You will receive the percentage of claim which you selected for your policy, anywhere between 70% and 90%. This reimbursement will be minus the deductible amount.
| Average
Vet Bill |
Cash back w/ 70% |
Cash back w/ 80% |
Cash back w/ 90% |
Difference between 70% & 90% |
| Cancer
$8,137 |
$5,695.90 |
$6,509.60 |
$7,323.30 |
$1,627.40 |
| Hip Dysplasia
$3,490 |
$2,443 |
$2,792 |
$3,141 |
$698 |
| Swallowed Object
$3,262 |
$2,283.40 |
$2,609.60 |
$2,935.80 |
$652.40 |
| Heart Murmur
$1,140 |
$798 |
$912 |
$1,026 |
$228 |
Are there any exclusions?
Spot is not alone in its exclusion of pre-existing conditions, but a condition will not be considered pre-existing if your pet hasn’t received symptoms or treatment for 180 days. Breeding costs and cosmetic procedures are also excluded from cover. Preventative care is an added extra.
What are the waiting periods for conditions?
There is a 14-day waiting period for accidents and illnesses effective from the start date of your policy.
How quickly does Spot pay claims?
You can submit a claim and invoice either by email or through Spot’s mobile app, and you have 270 days from the date of treatment to do this. The average time it takes to get reimbursed by Spot is between ten and 14 days, and you can check the status of your claim through a personalized claims portal.
Can I customize my Spot plan?
Yes! Spot insurance is very customizable. You can not only choose your reimbursement rate, but also your annual limit and annual deductible. Preventative care is available to add-on to your existing plan.
State availability for Spot
Spot insurance offers coverage for eligible treatment from any licensed vet or clinic in the US.
Verdict: Is Spot pet insurance good?
Overall, Spot is a good option for pet owners who know what they want and like to take control. The plans are flexible, extensive, and generous, offering more coverage than other competitors. Although you might experience slightly longer than average waiting periods, we’re sure the Pet Health Helpline will make up for it, which is manned 7 days a week and 24 hours a day. Our reviewers loved the multi-pet discount and the fact that there is no upper age limit for pets to be enrolled. The app and website are very efficient but those who like to fall back on traditional paperwork might be disappointed.
