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SPOT Pet Insurance Review

SPOT Pet Insurance review featuring Cesar Milan surrounded by seven dogs
G. John Cole
Written by
G. John Cole
Written by
G. John Cole
Senior Writer
Graeme is a senior writer at ProtectMyPaws, working with our in-house team of data analysts and researchers to produce original studies and reports you will find under the Pet Care section of the site. Even though he doesn't have any pets at home now, Graeme grew up with a yellow Lab called Jake and a goldfish called Rudolph.
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ProtectMyPaws is an independent publication with no ties with companies mentioned on the site. We don’t accept free products in exchange for glowing reviews. Instead, we report our own findings to help you make an informed decision.

Launched only in 2019, SPOT is the main character in this pet insurance review story. The company, albeit young, climbed near the top ranks in the industry to prove they’re not a passing fad.

And on top of this fast-growing business, guiding and representing it is none other than Cesar Milan. If you’re an enthusiastic pet parent, you must know him for his popular TV shows where he inspires animal lovers to discover a perfectly balanced relationship with their pet.

SPOT is amazing when it comes to providing support during pet emergencies. All of those surprise vet bills that can be in the thousands could be easily manageable when you have a backup plan to reimburse your costs with a rate of up to 90%

All of that, and more, makes SPOT a spot-on partner for every pet parent.

Continue reading this SPOT pet insurance review to discover if this newcomer is the right option in an increasingly competitive industry.

SPOT’s Pros & Cons

No veterinary exam required prior to enrolling with SPOTExpensive premiums for senior cats and dogs
Short waiting period for orthopedic conditions – only 14 daysLong waiting period for accidents – 14 days
Travel pet coverage valid in Canada, Puerto Rico, Guam, and the US Virgin IslandsBilateral exclusions for knee conditions and cruciate ligament injuries
Coverage for behavioral issues, exam fees, and end-of-life expenses is included at no extra costNo coverage for breeding and pregnancy-related issues
SPOT reinstates curable pre-existing conditions after 180 days$2.00 monthly transaction fee
A cheap accident-only coverage available for cats and dogsSPOT is only a short time on the pet insurance scene
Two comprehensive pet wellness care packages
Free VetAccess 24/7 helpline for every SPOT policyholder
10% multi-pet discount for each additional pet
30-day money-back guarantee

SPOT’s Key Attributes

  1. Underwriter: United States Fire Insurance Company
    • AM Best Rating: A
    • BBB Rating: B
  2. Exam period: SPOT doesn’t obligate you to take a thorough physical exam for your pet in order to grant you the right to become eligible for enrolling on one of their pet insurance plans;
  3. Increase in monthly premium: Just like every other pet insurance company, SPOT’s premiums increase over time. This happens at policy renewal and is due to your pet’s age (as they grow older so do the risks of injuries or illnesses) and the changes of veterinary services in your area of residence;
  4. Claim submission time limit: You have up to 270 days from the moment of the veterinary procedure of your pet to submit a claim for it and ask to be reimbursed;
  5. Claim processing times: SPOT processes submitted claims within 30 days from the date of submission, although these times average from about 10 to 14 business days;
  6. Waiting periods: SPOT imposes decent waiting periods for the injuries and illnesses that it includes in its coverage. Illnesses, accidents, and orthopedic conditions have a waiting period of 14 days (that is average for illnesses, a bit high for accidents, but quite low for orthopedic conditions conceding what the competition practices). There is no waiting period for routine and preventative procedures:
    • Accidents – 14 days;
    • Illnesses – 14 days;
    • Wellness – no waiting period;
    • Orthopedic conditions – 14 days.
  7. Pet insurance coverage with SPOT is valid whenever you travel to your pet anywhere within the US, plus throughout the territories of Canada, Puerto Rico, Guam, and the US Virgin Islands;
  8. Bilateral conditions with SPOT are largely covered with the exception of cruciate ligament and knee conditions such as disorders affecting the ligaments, patella, knee soft tissues, or meniscus.

SPOT’s Insurance Plans

Essentially, there are two pet insurance plans that SPOT offers. The first one is an accident-only plan, designed to cover every unexpected injury that might affect your pet and another one that extends beyond accident and covers illnesses, hereditary conditions, and stuff like medical supplies and medication.

Whether you want to cover your kitten or pup from internal or external harm, SPOT offers extraordinary options, making it one of the best picks in the industry. We’ll review the plans just below.

SPOT’s Accident & Illness Coverage

This SPOT plan offers pretty much everything that you need to cover your pet for unexpected injuries, illness, and medical aid for successful recovery.

Some of the most important instances that are covered include hereditary and chronic conditions, alternative therapies, behavioral issues, and exam fees. But there is so much more that we’ll talk about below.

Here, we’ll mention that this plan is quite flexible in offering you the freedom to choose between the different options for annual deductibles, annual coverage limits, and reimbursement percentages so you can adjust how much your monthly premium will cost.

These are all the different benefits options:

  • Annual coverage limits: $2,500, $4,000, $5,000, $7,000, $10,000, or Unlimited;
  • Annual deductibles: $100, $250, $500, $750, or $1,000;
  • Reimbursement percentages: 70%, 80%, or 90%.

Every canine or feline that’s above the age of 8 weeks can enroll on this SPOT plan and there are no upper age restrictions – something that other companies impose quite often.

The waiting periods for all accidents, illnesses, and orthopedic conditions are 14 days.

Lastly, you can use this coverage beyond the borders of the US. If you travel to Canada, Puerto Rico, Guam, or the US Virgin Islands, SPOT will cover your pet should something unexpected happen to them.

SPOT’s Accident-Only Coverage

This coverage plan puts the attention only on accidents and it’s designed for pet parents who don’t want to take a huge hit to their bank account but could still take advantage of having solid pet coverage.

The same options from the accident and illness plan for deductibles, claim limits, and reimbursement rates are valid for the accident-only coverage.

We recommend that all pet parents should at least acquire this insurance coverage for their pet so they can provide some cushion when their pet gets injured.

What’s Covered With a SPOT Policy

In this section, we’ll include the most conditions that SPOT covers in their policies so you’re always in the loop about what you can expect from your insurance company when filing a claim.

Accident & Illness Coverage

We dug deep into the SPOT’s accident and illness insurance policy and discovered everything that’s covered in great detail.

The following are the most notable instances that you’ll get included in your acquired policy:

  • Accidents – wounds, broken bones, toxic ingestions, cuts, bites, lodged foreign objects, and many more;
  • Illnesses – digestive problems, urinary tract infections, vomiting, diarrhea, and many more;
  • Cancer treatments – all diagnostics and procedures related to cancer such as biopsies, surgeries, chemotherapy, radiation therapy, alternative methods of healing, check-ups, and more;
  • Hereditary and congenital conditions – breed-specific conditions such as allergies, elbow and hip dysplasia, hernias, patellar luxation, intervertebral disc disease (IVDD), hypothyroidism, eye disorders, and many more;
  • Dental and oral conditions – dental illnesses such as gum disease, gingivitis, and periodontitis, and tooth extraction or reparation if the damage is a result of an accident;
  • Chronic conditions – long-term conditions such as diabetes, arthritis, seizures, kidney disease, cranial cruciate ligament disorders, inflammatory bowel disease, and many more;
  • Behavioral issues – diagnosing and treating issues such as separation anxiety, destructive scratching or chewing, pacing, excessive licking, fur pulling, including the medication and behavioral modification techniques;
  • Veterinary exam fees – emergency and thorough veterinary physical exams including the diagnosis established by the vet;
  • Alternative therapies – acupuncture, chiropractic care, physiotherapy, rehabilitative therapy, low-level laser therapy, hydrotherapy, and more;
  • Perception foods and medicine – FDA approved drugs and supplements used to aid the recovery of a sick or injured pet including probiotics, vitamins, nutraceuticals, and other prescribed food used to treat an injury or illness;
  • Microchip implementation;
  • Diagnostic and laboratory services – blood panel, MRI and CT scans, urinalysis, ultrasound, imaging, hematology, X-rays, biopsies, and more;
  • Medical supplies – bandages, casts, splints, and much more;
  • End-of-life expenses – euthanasia, cremation, or burial, if the death of the pet is caused by a covered illness or injury.

Accident-Only Coverage

With this plan you can naturally expect everything from the above list to be included, but only when the injury or condition is a result of an accident. That obviously won’t include treatments for cancer, hereditary and chronic conditions, and behavioral issues.

  • Intravenous (IV) fluids and medications;
  • Test such as X-rays, MRIs, and CT scans;
  • Consultation fees for poison control;
  • Prescription foods and medications used to treat a condition arising from an accident;
  • Stem cell therapy;
  • Surgery and hospitalization;
  • Dental coverage for tooth extractions;
  • Veterinary exam fees for consultations and laboratory tests;
  • Alternative therapy for treating injuries and conditions that are the result of an accident;
  • End-of-life expenses when the cause of death is due to an accident.

What’s Excluded From SPOT’s Coverage

Honesty and transparency are some of SPOT’s core values. The company openly lays out all the information important for you to know in situations when you’re not covered by their policy.

Many customers are dumbfounded when they learn the procedure they want to file a claim for is not covered in their pet insurance policy while all the information was right there from the beginning.

Here, we’ll list all of the exclusions mentioned in SPOT’s pet coverage policies, so you’re always in the know about when you can file for a claim.

  • Pre-existing conditions that became evident before you enrolled with SPOT or during the 14-day waiting period;
  • Cosmetic, aesthetic, and elective procedures or prostheses such as claw removal, declawing, tail docking, and ear cropping. Endodontic dental procedures such as implants, crowns, caps, and root canals are also excluded;
  • Anal gland resection and/or expression;
  • Breeding, pregnancy, whelping, and nursing;
  • Boarding and transportation fees;
  • Routine and wellness pet care such as dental cleaning and vaccinations unless a suitable package isn’t purchased;
  • Intentional illness or injury inflicted by you or any of your family members;
  • Non-medical supplies such as herbs, toys, leashes, grooming supplies, and more;
  • Routine care supplements such as prescription food for general maintenance or vitamins and minerals;
  • Conditions or injuries resulting from activities such as racing, coursing, organized fighting, guarding, or law enforcement.

SPOT’s Wellness Plans

SPOT offers two preventive care packages (Gold Preventive Care and Platinum Preventive Care) to help you get reimbursed for stuff that aids your pet’s well-being and protects them from getting ill. There’s no waiting period on these plans and a deductible is also not applicable.

With these wellness plans, there’s an annual scheduled amount for each allowed benefit that you cannot be reimbursed for after you surpass in a single billing period. So pick and choose wisely where and which preventive procedures and routine treatments you want for your pet.

The following is everything that comes with the two packages and how much in benefits goes toward each perk:

Perks Gold Preventive Care Platinum Preventive Care
Dental Cleaning (or Spaying/Neutering for the Platinum package)$100$150
Wellness Exam$50$50
Flea/Heartworm Prevention$0$25
Canine DHLPP or Feline FVRCP Vaccine/Titer$20$25
Rabies and/or Canine Lyme or Feline FIP Vaccine/Titer$20$25
Canine Bordetella or Feline FELV Vaccine/Titer$0$25
Fecal Test$20$25
Canine Heartworm or Feline FELV Test$20$25
Blood Test$0$25
Health Certificate$0$25
Total Annual Benefit$250$450

Extra Features

There are moments when your dog isn’t being himself and you can’t help but wonder what might be wrong. Other times you question whether to take your sick cat to the ER immediately or to wait for her scheduled veterinary appointment.

With a SPOT pet insurance coverage, your pet-related questions can be answered immediately, any time you have some. Every SPOT policyholder gets access to the free VetAccess 24/7 pet tele-health helpline as a thank you for enrolling with the company.

As soon as you become a SPOT customer, you get an immediate access to the helpline and use it to ask any pet health, wellness, or behaviour questions. On the other side veterinary experts await and engage in your problem at no extra cost.

Whenever you want to use the service, you can log into your pet portal and it will be right there. You can use live chat, phone, messenger, or video calls to talk to a vet specialist whenever you wish.

Note that the VetAccess specialists can only provide guidance and support; they cannot diagnose your pet’s condition and prescribe treatments.

SPOT pet insurance partnering with whiskerDocs featuring a lady and a kid playing with a cat and a dog

SPOT’s Pricing Quotes

Even though some online reviewers might put SPOT in a higher tier price-wise, we’ve researched elaborately and came to a realization that SPOT is perfectly average when pricing their coverage plans.

While obtaining quotes for various pet breeds from across the US, we’ve noticed that the biggest factors in determining a plan’s premium price are the pet’s breed, its age, and where it’s located.

Naturally, older purebred pets residing in urban areas with a higher cost of living tend to have higher premiums than young pets of mixed breed that are located in areas where veterinary costs are usually lower.

Below you can review the sample quotes that we obtained for some popular cat and dog breeds. Note that you can toggle between the different options for deductible, reimbursement rate, and annual claim limit to decide how much coverage you want for your pet and optimize the price of your premium.

Pricing Quotes for Dogs

Breed German Shepherd French Bulldog Labrador Retriever
Age2 years 4 months4 years 2 months6 years 6 months
LocationNew YorkCaliforniaColorado
Claim Limit$10,000$10,000$10,000
SPOT Accident & Illness Coverage$66.29/month$69.94/month$105.85/month
SPOT Accident-Only Coverage$37.13/month$18.62/month$37.68/month

*quotes obtained in August 2021

Pricing Quotes for Cats

Breed Siamese Persian Abyssinian
Age2 years 5 months4 years 1 month8 years 2 months
LocationNew York ColoradoCalifornia
Claim Limit$10,000$10,000$10,000
SPOT Accident & Illness Coverage$31.82/month$49.55/month$42.65/month
SPOT Accident-Only Coverage$20.61/month$21.45/month$13.24/month

*quotes obtained in August 2021

Pricing Plans for Pet Wellness

Above, we’ve mentioned the two wellness plans that SPOT offers which are pretty great in incentivizing pet parents to stay proactive in taking care of even the tiniest needs their pets require to have optimal health.

Their pricing is simple and always fixed. The Gold Preventive Care wellness package costs $9.95/month and the Platinum Preventive Care wellness package is $24.95/month.

Note that these are rider packages that can only be added to the basic pet insurance coverage plan by SPOT. You cannot purchase them as standalone plans. 

Discounts and Savings

SPOT offers several ways to make your monthly premiums’ prices lower. Their discounts and savings options make the service a great choice for employees and families with multiple pets.

The SPOT Employee Benefit Program provides a cutting-edge tool to companies that want to attract high-quality employees by offering them a great pet coverage solution that comes at a discounted price. Every employer who joins the SPOT employee benefit program receives a welcome kit, an informational newsletter, and a customized landing page which employees can use to sign up for a SPOT insurance policy whenever they want and receive a 10% discount on it.

Additionally, every SPOT policyholder, regardless of their employment status and related discount, can receive an extra 10% off on each additional pet that they sign up for a SPOT coverage. This 10% multi-pet discount combined with the 10% employee benefit discount can stack up to a 20% total discount on your monthly premium.

Lastly, let’s not forget about SPOT’s 30-day money-back guarantee. You can use this benefit to enroll with SPOT and test the service first-hand. If you happen not to be satisfied with it, you can cancel and receive a full refund on your initial premium, given that you didn’t file any claims during your time with SPOT.

How Does SPOT Compare With Its Competitors?

To make this SPOT Pet Insurance Review more well-rounded, we’re comparing SPOT with some of the top providers on the pet insurance market. This way you can have a better understanding of how much value SPOT provides in every important quality a pet insurer should possess.

The three pet insurance companies used in this comparison are ASPCA Pet Insurance, Embrace, and Petplan. They all have similarities but are essentially different, so you might even discover an alternative that suits your budget and your pet’s needs better.


Coverage Effective USA, Canada, Puerto Rico, Guam, and US Virgin IslandsUSA, Canada, Puerto Rico, Guam, and US Virgin Islands
ReimbursementChoice of 70%, 80%, or 90% of covered expensesChoice of 70%, 80%, or 90% of covered expenses
Co-Payment10%, 20%, or 30%10%, 20%, or 30%
Deductible$100 – $1,000$100 – $500
Type of DeductibleAnnualAnnual
Claim Limit Options$2,500 – Unlimited$3,000 – $15,000
Accident-Only PlanAvailableAvailable
Wellness PlanAvailableAvailable
Unlimited Benefits Plan YesNo
Illness Waiting Period14 days14 days
Accident Waiting Period14 days14 days
Orthopedic Conditions Waiting Period14 days14 days
Bilateral ExclusionsYesYes
Chronic ConditionsYesYes
Hereditary and Congenital ConditionsYesYes
Dental CoverageYesYes
Prescription MedicineYesYes
Alternative/Holistic TherapyYesYes
Behavioral IssuesYesYes
Exam FeesYesYes
Exam Required for EnrollmentNoNo
Available At Any Vet ClinicYesYes
Minimum Pet Age Limit8 weeks6 weeks
Maximum Pet Age LimitNo limitNo limit
Entry Fee$0.00$0.00
Monthly Transaction Fee$2.00$2.00
Multi-Pet Discount10% for each additional pet10% for each additional pet
Claim RepaymentWithin 30 days (10-14 days on average)Within 30 days (14-16 days on average)
Direct Vet Bill PaymentYesYes
Money-Back Guarantee30 days30 days
AM Best RatingAA
BBB RatingBA+

*companies compared in August 2021

Read the full ASPCA Pet Insurance review.

SPOT vs. Embrace

Feature SPOT Embrace
Coverage Effective USA, Canada, Puerto Rico, Guam, and US Virgin IslandsWorldwide
ReimbursementChoice of 70%, 80%, or 90% of covered expensesChoice of 70%, 80%, or 90% of covered expenses
Co-Payment10%, 20%, or 30%10%, 20%, or 30%
Deductible$100 – $1,000$200 – $1,000
Type of DeductibleAnnualAnnual
Claim Limit Options$2,500 – Unlimited$5,000 – $30,000
Accident-Only PlanAvailableAvailable
Wellness PlanAvailableAvailable
Unlimited Benefits Plan YesNo
Illness Waiting Period14 days14 days
Accident Waiting Period14 days2 days
Orthopedic Conditions Waiting Period14 days6 months (14 days with orthopedic report card)
Bilateral ExclusionsYesYes
Chronic ConditionsYesYes
Hereditary and Congenital ConditionsYesYes
Dental CoverageYesYes
Prescription MedicineYesYes
Alternative/Holistic TherapyYesYes
Behavioral IssuesYesYes
Exam FeesYesYes
Exam Required for EnrollmentNoNo
Available At Any Vet ClinicYesYes
Minimum Pet Age Limit8 weeks6 weeks
Maximum Pet Age LimitNo limit14 years
Entry Fee$0.00$25.00
Monthly Transaction Fee$2.00$1.00
Multi-Pet Discount10% for each additional pet5%-10% (depending on state) for each pet
Claim RepaymentWithin 30 days (10-14 days on average)Within 14 days (8-9 days on average)
Direct Vet Bill PaymentYesNo
Money-Back Guarantee30 days30 days
AM Best RatingAA+
BBB RatingBA+

*companies compared in August 2021

Read the full Embrace Pet Insurance review.

SPOT vs. Petplan

Feature SPOT Petplan
Coverage Effective USA, Canada, Puerto Rico, Guam, and US Virgin IslandsUSA and Canada
ReimbursementChoice of 70%, 80%, or 90% of covered expensesChoice of 70%, 80%, or 90% of covered expenses
Co-Payment10%, 20%, or 30%10%, 20%, or 30%
Deductible$100 – $1,000$250 – $500
Type of DeductibleAnnualAnnual
Claim Limit Options$2,500 – Unlimited$5,000, $15,000, or Unlimited
Accident-Only PlanAvailableNot available
Wellness PlanAvailableNot available
Unlimited Benefits Plan YesYes
Illness Waiting Period14 days15 days
Accident Waiting Period14 days15 days
Orthopedic Conditions Waiting Period14 days6 months
Bilateral ExclusionsYesYes
Chronic ConditionsYesYes
Hereditary and Congenital ConditionsYesYes
Dental CoverageYesYes
Prescription MedicineYesYes
Alternative/Holistic TherapyYesYes
Behavioral IssuesYesYes
Exam FeesYesYes
Exam Required for EnrollmentNoYes
Available At Any Vet ClinicYesYes
Minimum Pet Age Limit8 weeks6 weeks
Maximum Pet Age LimitNo limitNo limit
Entry Fee$0.00$0.00
Monthly Transaction Fee$2.00$0.00
Multi-Pet Discount10% for each additional petNot available
Claim RepaymentWithin 30 days (10-14 days on average)Within 30 days (22 on average)
Direct Vet Bill PaymentYesNot available
Money-Back Guarantee30 days30 days
AM Best RatingAA+
BBB RatingBA-

*companies compared in August 2021

Read the full Petplan Pet Insurance review.

Customer Service

The easiest way to reach SPOT’s customer support is by logging into your online pet portal or accessing their Android or iOS app.

Additionally, you can use the form on their website to send them a message. Their customer service email is and their phone number is 1.877.408.1485.

Note that SPOT’s customer service normal hours of operation are Monday through Friday from 8:00 am to 8:00 pm EST.

Customer Reviews

We’re including real user reviews for a more well-rounded insight into the true value that SPOT brings to the table. That way you can be more in tune with honest examples of true pet insurance stories.

SPOT has a great score among its customers – its rating is 4.4/5 on Trustpilot and 4.8/5 on ConsumerVoice. While the majority of reviews are overwhelmingly positive, in this article, we’ll include a few negative ones too, just to give a better overview of what might come up in a very rare situation.

Positive SPOT Pet Insurance Reviews

The Spot Pet company was very helpful in the needs I had to insure my dog. The representative was very knowledgeable and caring. Unfortunately, my puppy passed away not long after. I called to cancel my policy and had no problem doing so. I received a call of sympathy a day after from them. I picked the right company for my insurance needs and will choose them again.

Lillie Thomas

Never have I experienced such compassion and understanding from a company as I have from Spot. My cat friend passed away and they called me to ask how I was doing and needed anyone to talk to. Not only that but they also sent me a card with a handwritten note in it and I was truly touched. I originally went with this insurance because it was the most affordable I could find but little did I know how amazing and sweet the whole team is. Thank you so much to everyone.

Cristal Rodriguez

Spot Pet Insurance has been wonderful! I had made an error on adding my additional pet policy and called to make the corrections- everything was smooth and taken care of. I have a full policy on my puppy and her claim was processed and paid within days. Very pleased with SPOT Pet Insurance! Thank you!


I signed up with Spot about a week ago so I cannot rate their service with claims yet. But they were easy to sign up with. I compared them with about 10 other pet insurance companies. They were not the highest price nor the lowest price. But when I compared what they offered with the other companies, I thought Spot gave you a lot for the money.

Robert Shaw

Needed pet insurance for our new puppy for the peace of mind that he would be taken care of if need be. Was surprised and pleased to receive a call from a SPOT rep asking if I had any questions about the coverage. I’m looking forward to working with SPOT in the future should the need arise.

Doug Graves

Negative SPOT Pet Insurance Reviews

Always asking for more info…When you receive an itemized final invoice(?). The expectation is for you to see what applies to my policy and reimburse me. Medical notes are optional on your site so there shouldn’t be a need for you to contact my vet and request more info. Getting off to a bad start I’ll be taking my business elsewhere. No one needs the hassle.


I love my dog. I can’t afford your insurance because it is too expensive. Not only yours, but all dog insurance are expensive. I’m on disability but I would like to have peace of mind knowing that my dog has insurance. The money you guys are asking that’s how much my disability takes out of my check every month. Please have such consideration and try to help some animals.

Douglas O.

The coverage looks great. But like all pet insurance it sucks, if you adopted an older dog from a shelter it cost so much. I adopted two older dogs from shelters because all dogs no matter age need love too and I’ve been trying to get them pet insurance but everywhere charges so much and you guys charge the most.

About $80 plus if I do the affordable budget and add preventative care for my 8-year-old and $60 something for my 6-year-old. If you have a one-year dog or less, it looks like this would be the place to be for you since that was half the cost.

Rosebel Gan

I was pleased with the process of getting the insurance quote except that it appears you do not take into account weight. That makes me wonder why? I don’t understand why I’m paying as much for insurance for my little 6 lb might as someone with a massive Newfoundland. Other than that things are great we’re all registered for pet insurance and it appears that it will be helpful.

Ms. Susan Prock


Let’s sum up everything we’ve covered in this SPOT Pet Insurance review.

We performed a thorough research of the company and discovered that they make a great companion to every pet parent by providing a most comprehensive pet insurance policy.

Even though the insurer is only a novice in the industry, a vast number of its customers are testifying that every penny they spend on it is well worth it. They are especially satisfied with SPOT’s customer service, how promptly they process every claim, the incredible options for wellness care, and the incredibly affordable accident-only coverage plan.

On the other hand, some pet owners of senior pets have been complaining of the increase in premiums which get pretty high as pets become older. This is a problem customers have with every pet insurance provider.

Before we wrap up, we’d like to let you know that at ProtectMyPaws you can find reviews about every pet insurer in the US, so take a look to find the options that are best for you and your beloved pets.

SPOT’s Alternatives

TrustedPals are another newcomer to the pet insurance industry that might be a suitable alternative to SPOT. They offer a $0 deductible option and reimbursement rates that go up to 100%. Their wellness plan is also amazing by reimbursing you up to $750/year, which is almost double than what SPOT allows as an annual maximum in benefits.

ASPCA Pet Insurance is extremely similar to SPOT in the coverage and benefits they offer for pets. There’s the low annual deductible, the coverage for exam fees and alternative therapy, and the great options for accident-only and preventative pet care. However, this provider has been on the pet insurance market for a lot longer than SPOT, so that may sway more pet parents their way.

Lastly, if you really want the ultimate wellness care for your cat or dog, take a look at Banfield Pet Hospital. There’s no match for them when it comes to routine vet visits as they cover an unlimited number of them. Pre-existing conditions are also included, so it should be a no-brainer when you think about which vet to visit when you want a wellness checkup for your pet.


What’s the best age to insure a pet with SPOT?

While SPOT doesn’t let pets younger than 8 weeks to sign up for their pet insurance coverage, we recommend that you enroll them as young as possible. That way you’ll ensure your premium starts on the low end and that your pet hasn’t developed any pre-existing conditions which are ineligible for coverage.

Is my rescue pet eligible for coverage with SPOT?

Of course, it is! SPOT doesn’t admit pets while they’re still in shelter care, but as soon as you adopt them, you’re welcome to bring them on. As SPOT doesn’t require an exam prior to enrollment, you can sign up immediately, and use your future medical records when submitting claims.

What kind of medical records does SPOT require from the vet clinic I visited to treat my pet?

When filing a claim, you should submit any veterinary documents regarding the procedure that was performed for your pet. That can include an itemized invoice, diagnosis document, results from laboratory testing, doctor’s notes, etc.

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