Is Spot Pet Insurance Good?

Spot Pet Insurance launched in 2019 with the goal to simplify pet insurance and offer pet parents customizable policies that fit their budgets and needs. They’re endorsed by the popular “Dog Whisperer” Cesar Millan, which adds a touch of celebrity credibility. But is the hype justified? Let’s delve into the details.

Contents hide

What Does Spot Pet Insurance Offer?

Spot Pet Insurance provides comprehensive coverage for cats and dogs, including accident and illness policies. Their policies are customizable, allowing you to choose your deductible, reimbursement percentage, and annual limit. They also offer optional wellness coverage to cover routine care.

Coverage and Exclusions

Spot covers a wide array of medical treatments, such as diagnostic tests, surgeries, hospitalizations, medications, and alternative therapies. Crucially, they cover hereditary and congenital conditions, providing your pet hasn’t shown symptoms before the policy takes effect.

However, pre-existing conditions, cosmetic procedures, breeding costs, and preventive care (unless you opt for the wellness add-on) are not covered.

Cost and Reimbursement

The cost of Spot Pet Insurance varies depending on several factors, including your pet’s breed, age, and the policy options you choose. For example, choosing a higher reimbursement level or a lower deductible can increase your monthly premiums.

Spot offers a variety of deductible options ($100 to $1,000), reimbursement rates (70%, 80%, or 90%), and annual limits ($2,500 to unlimited), providing flexibility to suit various budgets.

Reimbursement times seem to be generally efficient. According to Spot, once they receive all necessary information, claims are typically processed within 14 days.

The Good, The Bad, and The Fine Print


  1. Customizable Plans: Spot’s adjustable deductibles, reimbursement percentages, and limits allow pet owners to tailor the policy to their budget and needs.
  2. No Upper Age Limit: Spot insures pets of any age, which is great news for owners of senior pets.
  3. Direct Vet Payment: In some cases, Spot can pay the vet directly, so you don’t need to pay a hefty bill upfront and wait for reimbursement.


  1. Exclusion of Pre-existing Conditions: As with most pet insurers, Spot doesn’t cover pre-existing conditions. However, they may cover a condition if your pet is symptom-free for 180 days.
  2. Premium Increases: Several customers have reported premium increases at the time of policy renewal, which can be an unwelcome surprise.

Customer Reviews and Feedback

Reviews on Spot are mixed, with some owners praising the prompt customer service and comprehensive coverage, while others cite dissatisfaction with claim denials related to pre-existing conditions.

Many customers appreciate the policy’s customizability, which allows for a balance between coverage and cost. However, some owners noted that the claims process could be streamlined, and the exclusions better communicated.

Spot Pet Insurance: Digging Deeper into Policy Details

Policy Customization

A highlight of Spot Pet Insurance is the level of customization it provides. This feature stands out among competitors and proves beneficial for pet owners seeking a balance between coverage and cost. You can choose from various deductibles, reimbursement rates, and annual limits. Deductibles range from $100 to $1,000, reimbursement rates between 70%, 80%, or 90%, and annual limits from $2,500 up to unlimited. This high degree of customization offers an excellent way for pet parents to tailor a plan to their pet’s needs and their financial situation.

Direct Vet Payment

Another aspect worth noting is the possibility of direct vet payment. In certain situations, Spot can pay the vet directly, saving you from paying a substantial bill upfront and then waiting for reimbursement. This feature can significantly alleviate financial stress in emergency situations.

Add-On Wellness Coverage

In addition to its comprehensive accident and illness policies, Spot offers wellness coverage as an add-on to the primary policy. This feature provides for routine care like vaccinations, annual check-ups, and heartworm prevention, which aren’t typically covered in standard policies. Pet parents looking to cover preventive healthcare might find this additional coverage appealing.

The Other Side of the Coin: Some Drawbacks to Consider

While Spot offers many advantages, it’s also essential to be aware of some potential drawbacks.

Exclusion of Pre-existing Conditions

One of the most common criticisms is the exclusion of pre-existing conditions, a common practice among pet insurance providers. If your pet has shown symptoms or has been diagnosed with a condition before your policy takes effect, Spot won’t cover treatments for that condition. However, it’s noteworthy that if your pet remains symptom-free for 180 days, Spot may cover the condition, adding a silver lining to this common limitation.

Potential for Premium Increases

While not unique to Spot, potential premium increases at the time of policy renewal can be a source of frustration for pet owners. An increase in premiums might occur due to changes in your pet’s age, advancements in veterinary medicine, and the rising cost of vet care. It’s crucial to be prepared for possible premium hikes when you sign up for a policy.

Coverage Communication

Another area where Spot has room for improvement is the communication of coverage exclusions. Some customers have reported dissatisfaction with claim denials, citing a lack of clarity in policy language. Clearer, more explicit communication about what is not covered could help avoid future misunderstandings and claim disputes.

The Verdict from Customers

When it comes to customer feedback, Spot receives a mixed bag of reviews. While many policyholders appreciate the swift customer service response and comprehensive coverage, others express disappointment over claim disputes related to pre-existing conditions.

The process of claiming reimbursements also receives mixed reviews. Some customers laud the smooth and efficient claims process, while others suggest there’s room for improvement in streamlining the claims submission and approval process.

Conclusion: Is Spot Pet Insurance Worth It?

Overall, Spot Pet Insurance offers a competitive and comprehensive product in the pet insurance industry. The range of customizable plans is a standout feature, allowing you to balance the cost against your pet’s needs. However, like all insurers, they do have exclusions and potential premium increases.

Frequently Asked Questions about Spot Pet Insurance

1. How does Spot Pet Insurance handle hereditary and congenital conditions?

Spot Pet Insurance covers hereditary and congenital conditions, as long as these are not pre-existing, meaning they have not shown symptoms before the policy comes into effect. This coverage can be particularly valuable for purebred pets, which may be predisposed to certain breed-specific health conditions.

2. Can I use my own vet with Spot Pet Insurance?

Yes, Spot Pet Insurance does not restrict you to a specific network of veterinarians. You can take your pet to any licensed vet in the U.S. or Canada, including specialists and emergency animal hospitals.

3. What are the waiting periods for Spot Pet Insurance?

Like many pet insurance companies, Spot imposes waiting periods before coverage begins. For accidents, the waiting period is 2 days after your policy start date. For illnesses, the waiting period is 14 days. This means that any accidents or illnesses that occur during the waiting period will not be covered.

4. Does Spot Pet Insurance cover prescription medications?

Spot covers FDA-approved prescription medications that are prescribed as part of treatment for a covered condition. This is an important feature as medications can be a significant cost associated with pet illnesses.

5. Can I still get Spot Pet Insurance for my senior pet?

Yes, Spot Pet Insurance has no upper age limit, which means you can secure coverage for your senior pet. However, remember that the age of your pet can influence the cost of your policy, and older pets are likely to have higher premiums.

6. How does the Spot Pet Insurance claims process work?

When your pet receives treatment, you’ll pay the vet directly, then submit a claim to Spot. You can do this online or via the Spot mobile app. After submitting a claim, you’ll need to provide a copy of your vet’s invoice and medical records. Spot aims to process claims within 14 days of receiving all necessary information. In some cases, Spot can pay the vet directly, but this depends on whether the vet accepts direct payments from insurance companies.

7. How does Spot determine its premiums?

Spot’s premiums are based on several factors, including your pet’s age, breed, and location, as well as the specific coverage options you choose for your policy, such as deductible, reimbursement percentage, and annual limit.

8. Does Spot Pet Insurance offer a multi-pet discount?

Yes, Spot offers a multi-pet discount. You can get a 10% discount on your base premium for each additional pet you insure, which can make a noticeable difference for households with multiple pets.

9. How does Spot handle chronic conditions?

As long as a chronic condition wasn’t identified before your policy’s effective date or during the waiting period, it will be covered. Coverage continues into subsequent policy periods as long as the pet insurance remains continuously in effect.

10. What is the 30-day money-back guarantee?

Spot offers a 30-day money-back guarantee, also known as a “free look” period. If you cancel your policy within the first 30 days and have not submitted any claims, you will receive a full refund of your paid premium.

11. How long does Spot take to reimburse?

Spot aims to process claims within 14 days of receiving all necessary documentation. The actual time to reimbursement can vary based on factors such as the complexity of the claim and the method of reimbursement.

12. Does Spot cover alternative therapies?

Yes, as long as it’s a treatment prescribed and performed by a licensed vet, Spot covers alternative therapies. This can include treatments like acupuncture, physiotherapy, hydrotherapy, and chiropractic care.

13. Are prescription diets covered by Spot?

Spot does provide coverage for therapeutic diets and supplements if they’re prescribed by a vet to treat a covered condition, but it doesn’t cover the cost of regular pet food, even if it’s prescribed by a vet.

14. Does Spot cover dental illnesses?

Yes, Spot does cover dental illnesses, such as periodontal disease. However, it doesn’t cover dental procedures primarily for cosmetic purposes or preventive dental care unless you add wellness coverage to your policy.

15. Can I adjust my Spot policy over time?

Yes, Spot offers considerable flexibility to change your policy terms. You can adjust your deductible, reimbursement level, and annual limit to best fit your budget and needs. However, note that any changes to your policy may impact your premium.

16. Are exam fees covered under Spot pet insurance?

Spot does offer coverage for exam fees associated with accidents and illnesses. This includes emergency visits, specialist appointments, and consultations for covered conditions.

17. Is behavioral therapy covered by Spot?

Yes, as long as the behavioral issues are not related to training or management techniques, Spot covers the diagnosis and treatment of behavioral conditions.

18. What does Spot’s wellness coverage include?

Spot’s wellness plans are optional add-ons that cover routine care and preventative measures. This can include vaccinations, heartworm tests, flea and tick prevention, health screenings, and more. Spot offers two tiers of wellness coverage – Basic and Prime – each with different coverage limits.

19. Does Spot Pet Insurance cover spaying or neutering?

Routine spaying and neutering procedures are not covered under Spot’s main insurance policy. However, these procedures are included if you add the optional wellness coverage to your policy.

20. How does Spot deal with bilateral conditions?

Bilateral conditions are those that can affect both sides of your pet’s body, like hip dysplasia. If your pet was previously diagnosed with a condition on one side of its body prior to enrollment, Spot may consider the same condition on the other side of the body as pre-existing.

21. What does Spot’s coverage for prosthetics and orthotic devices entail?

Spot covers the costs of prosthetic devices and orthotic braces when prescribed by a vet to treat a covered accident or illness. This coverage includes the initial purchase, fitting, and necessary adjustments of the devices.

22. Does Spot offer direct payment to the vet?

In some cases, Spot may arrange direct payment to the vet. However, this is not guaranteed and depends on whether the vet accepts direct payments from insurance companies. Most often, the pet owner pays the vet directly and then submits a claim to Spot for reimbursement.

23. Are there any discounts available other than the multi-pet discount?

Yes, Spot offers a few other discounts. These may include a military discount, a service dog discount, an employee benefit discount if your employer partners with Spot, and an annual pay discount if you choose to pay for your policy annually instead of monthly.

24. Are there any coverage exclusions I should be aware of with Spot?

Yes, like all pet insurers, Spot has certain exclusions. These include pre-existing conditions, cosmetic procedures, breeding costs, and issues related to neglect or abuse. It’s important to read your policy thoroughly to understand these exclusions.

25. How soon can I use my Spot Pet Insurance after purchase?

For accident coverage, there’s a 2-day waiting period. For illness coverage, the waiting period is 14 days. This means you won’t be able to file claims for accidents or illnesses that occur within these respective waiting periods.

Leave a Reply

Your email address will not be published. Required fields are marked *

Back to Top