Spot Pet Insurance Review 2025
Spot Pet Insurance offers a range of coverage options for pet owners, including accident and illness plans and accident-only plans. This review provides a comprehensive look at Spot, helping you determine if it’s the right pet insurance for you and your furry friend.
Overview
Spot is a pet insurance provider that stands out for its broad coverage options, making it a strong contender in the pet insurance market. Below is a quick overview:
Key Features
- Annual Maximum Coverage: Unlimited
- Reimbursement Rates: 70%, 80%, 90%
- Deductibles: $100 – $1,000
- Policy Highlights: Broad coverage including microchip implantation.
Pros
- Provides coverage for conditions that some other insurers don’t cover.
- Covers certain pre-existing conditions if they have been cured and treatment-free for 180 days.
- Offers unlimited annual coverage.
Cons
- Does not offer direct payment to your vet.
Who is Spot Pet Insurance for?
Spot is an excellent choice if you’re looking for comprehensive coverage for your pet. It caters to pet owners looking for broad coverage, with no upper age limit, making it suitable for pets of all ages.
NerdWallet’s Verdict
NerdWallet gives Spot 5 stars out of 5 for its overall performance and considers it one of the best pet insurance companies. Spot is a great selection because of its comprehensive accident and illness plans, which cover things like alternative medicine, behavioral treatments, prescription food, and microchip implantation, to name a few. Spot has no upper age limit for pets, and customers can optionally choose unlimited annual payouts. There is also an accident-only plan.
Spot also offers two preventive care plans to add to your pet’s policy. These plans reimburse you for wellness exams, dental cleanings, and other routine expenses, up to your coverage limit.
Like most pet insurers, Spot won’t pay your vet directly. Instead, you’ll need to settle your own vet bills and submit your receipts to Spot for reimbursement.
Spot Pet Insurance Plans and Coverage
Spot offers three primary types of coverage:
Accident and Illness
This plan covers:
- Alternative therapy
- MRI, CT scans, and X-rays
- IV fluids and medications and prescription medications
- Prescription food and supplements
- Exams, surgery, and hospitalization
- Tooth Extractions
- Cancer treatments
- Behavioral issue treatment
- Microchip implantation
- Hereditary conditions
- Pre-existing conditions
Accident-Only
This plan covers:
- Alternative therapy
- MRI, CT scans, and X-rays
- IV fluids and medications and prescription medications
- Prescription food and supplements
- Stem cell therapy
- Exams, surgery, and hospitalization
- Tooth Extractions
- Microchip implantation
Preventive Care
You can add a Gold or Platinum preventive care package to either the accident and illness or accident-only plans.
The Gold option is more affordable and includes:
- Dental cleanings
- Annual exams
- Deworming
- Certain vaccinations and screening tests
The Platinum plan is broader and includes everything in the Gold plan, plus:
- Blood tests
- Spay or neuter surgery
- Urinalysis
- Heartworm and flea prevention
- Additional vaccinations
What’s Not Covered
Spot’s pet insurance generally doesn’t cover:
- Aesthetic, cosmetic, endodontic, or orthodontic dental services.
- Funeral services.
- Experimental treatment.
- Illness or injury due to mistreatment, racing, or organized fighting
- Pre-existing conditions. (Unless they have been symptom-free for at least 180 days)
- Costs associated with breeding or pregnancy.
Spot Plan Options
- Deductibles: Between $100 to $1,000 annually.
- Reimbursement Amounts: You can choose from 70%, 80%, or 90% reimbursement after meeting your annual deductible.
- Coverage Limits: Annual coverage ranges from $2,500 to unlimited.
Sample Rates
The cost of Spot pet insurance varies based on factors like your location, your pet’s breed and age, and your chosen coverage limits.
-
Dogs (Accident and Illness Coverage):
- French Bulldog (Age 2): $67/month, (Age 8): $158/month
- German Shepherd (Age 2): $39/month, (Age 8): $93/month
- Golden Retriever (Age 2): $46/month, (Age 8): $110/month
- Labrador Retriever (Age 2): $46/month, (Age 8): $110/month
- Medium Mixed-Breed (Age 2): $32/month, (Age 8): $75/month
- Poodle (Age 2): $46/month, (Age 8): $110/month
-
Cats (Accident and Illness Coverage):
- Devon Rex (Age 2): $18/month, (Age 8): $32/month
- Domestic Shorthair (Age 2): $18/month, (Age 8): $32/month
- Exotic Longhair (Age 2): $33/month, (Age 8): $59/month
- Maine Coon (Age 2): $28/month, (Age 8): $50/month
- Persian (Age 2): $28/month, (Age 8): $50/month
- Ragdoll (Age 2): $18/month, (Age 8): $32/month
Discounts
Spot offers a 10% multi-pet discount.
State Availability
Spot is licensed to sell pet insurance in all 50 states and Washington, D.C.
Consumer Experience
- Website: Spot has an easy-to-navigate website. They also have sample policies for those who want a more detailed look at their coverage options.
- App: Offers a mobile app for both Android and iPhone users enabling customers to manage their policies, locate vets, and file claims. There are middling user ratings on the app.
- Claims: Claims can be submitted through the website or app within 270 days of treatment. You are responsible for paying your vet bills upfront and submitting them for reimbursement.
- Customer Service: Contact Spot customer service Monday through Saturday at 800-905-1595.
Spot vs. Competitors
- Spot vs. Pumpkin: Spot offers an accident-only plan, while Pumpkin does not. Both offer unlimited annual coverage options.
- Spot vs. Healthy Paws: Healthy Paws offers one accident and illness plan, while Spot offers an accident-only option and wellness plan. Healthy Paws’ plans do not offer exam fees, prescription food, or certain supplements. Healthy Paws claims are also typically handled within 2-10 days.
Conclusion
Spot pet insurance can offer a large range of options for pet owners, including an accident-only plan, unlimited coverage, and preventative care. The costs depend on a variety of factors and are customized based on the pet owner’s needs.
