Spot Pet Insurance Review

Top10.com Staff

In a Nutshell

Spot Pet Insurance is a pet insurance agency serving cats and dogs throughout the United States. All its plans are customizable, allowing ‘pet parents’ (as it calls its customers) to select the right level of coverage to fit their needs and budget.

pros

  • Preventive care add-on
  • More inclusions than most insurers
  • Policy covers microchip implantation

cons

  • No exotic pets

Spot Pet Insurance Spot Pet Insurance Visit Site

Spot Pet Insurance at a Glance

Pets covered
Dogs, Cats
Waiting period
14 days
Reimbursement model
$100-$1,000
Deductible
70%-90%
Best For
Customizing your policy with a price and level of coverage that suits you

Overview

Spot Pet Insurance became the newest player in the pet insurance market when it launched in October 2019. It specializes in customizable dog and cat insurance underwritten by Crum & Forster, a 188-year-old insurance firm with an ‘Excellent’ financial strength rating. Spot Pet Insurance has teamed up with world-renowned dog behaviorist Cesar Millan to provide customers with free tips on caring for pets.

What Does it Cover

Spot Pet Insurance offers accident & illness coverage or accident-only coverage. Additionally, it offers a preventive care add-on that reimburses you up to the scheduled amount for things that help protect your pet from getting sick. Its program covers medically necessary veterinary treatments, including but not limited to:

  • MRI or CT scans and X-rays
  • Poison control consultation fees
  • Prescription medications
  • Surgery and hospitalization
  • Medical supplies (e.g. bandages, casts, and splints)
  • Cancer treatments
  • Treatment for behavioral problems
  • Alternative therapies
  • Dental illnesses
  • Chronic conditions
  • Stem cell treatments
  • Microchip implantation

Insurance Plans & Pricing 

Spot Pet Insurance offers 4 types of coverage: accident & illness, accident only, accident & preventive care or accident & illness plus preventive care add-on. Policies are customizable. To get a quote, fill in details about your pet(s), including age and breed and press ‘Get Quote’. On the next page, you will see 3 options: Standard, with a $5,000 annual limit, Select, with a $15,000 limit, and Premium, with an unlimited annual limit. You can toggle the annual limit, reimbursement, and deductible to create your own coverage.

We provide the following examples of a 4-year old Labrador retriever and 8-year-old common/domestic cat (using a California zip code) just to give you an idea of how toggling the reimbursements/deductibles/limits can affect your monthly premium. Note that we only change one variable at a time, i.e. min/max limit is with average reimbursement and average deductible.


Min/Max Limit
Min/Max Reimbursement
Min/Max Deductible
Labrador retriever
$34.57/$102.35
$55.02/$66.26
$48.36/$78.49
Common domestic cat
$28.24 / $42.87
$35.94 / $42.92
$39.63 / $62.79

The good news is it only takes 1 minute to get an online quote from Spot Pet Insurance. 

What’s Not Covered

Like all pet insurance providers, there are things Spot Pet Insurance won’t cover. Exclusions include but are not limited to:

  • Pre-existing conditions*
  • Non-FDA treatments or supplements
  • Pet diet products
  • Day care / boarding

Waiting Periods

The waiting period is 14 days, beginning the effective start date of your policy. 

Coverage Limits

The annual coverage limits are flexible and customizable, with 5 annual limits to choose from: $5,000, $10,000, $15,000, $20,000, and unlimited. The higher the limit the more expensive, the premium.

Reimbursement and Deductibles

The reimbursements and deductibles are very flexible. You get a choice of 3 reimbursements: 70%, 80%, 90%. You get a choice of 5 annual deductibles: $100, $250, $500, $750, and $1,000. You must pay the annual deductible out of your own pocket before being able to start claiming back reimbursements.

Claims and Service

The claims process is super easy. For starters, you can easily submit a claim online and check the status through your account. You get 270 days from the date of treatment to submit a claim. The best thing about this service is you can visit any licensed vet in the US, including specialists and emergency care clinics. Spot Pet pays claims by direct deposit or check.

What You Might Like Best

Spot Pet Insurance offers a greater degree of customization than other companies, but what we like best is the free expert tips. Spot Pet has teamed up with renowned dog behavior expert Cesar Millan to produce exclusive content on caring for your dog. This feature, combined with the preventive care add-on (something most pet insurance providers don’t offer) proves Spot Pet goes above and beyond for its users.

What Spot Pet Insurance Could Do Better

It’s hard to find a weak spot, but if we could pick something it would be that Spot doesn’t provide coverage for exotic animals.

Contact Details and Address

Spot Pet Insurance is headquartered in West Palm Beach, Florida. Customer support staff can be reached Monday to Friday, 8am – 8pm ET.

Phone: +1 (855) 941-3774

Email: service@customer.spotpetins.com

How Spot Pet Insurance Compares: 


Waiting period (illnesses)
Deductibles
Max coverage
Spot Pet
14 days
$100 - $500
Unlimited
Pets Best
14 days
$50 - $1,000
Unlimited
ASPCA
30 days
$100 - $500
Unlimited
Embrace
14 days
$200 - $1,000
$15,000

Spot Pet Insurance Spot Pet Insurance Visit Site

Bottom Line

Pet insurance is a fast-growing industry, and it’s clear Spot Pet Insurance is aiming to fill in gaps that some of the older market players have missed. For example, it is one of the only pet insurance providers to offer a preventive care add-on and also one of the few to offer free microchip plantation as part of its service. Spot Pet Insurance is one of the best options for pet parents looking for an all-inclusive service.

Spot Pet Insurance Terms & Conditions:

*Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply.

For all terms and conditions visit Spot.com. Preventive Care reimbursements are based on a schedule.

Spot On Coverage reimbursements are based on the invoice. Products, schedules, discounts, and rates may vary and are subject to change.

More information available at checkout. Insurance plans are underwritten by United States Fire Insurance Company. 

Insurance plans are marketed and produced by Spot Insurance Services, LLC. (NPN #19246385)

Top10.com's editorial staff is a professional team of editors, writers and experts with dozens of years of experience covering consumer, financial and business products and services.

Spot Pet Insurance customer reviews

Be the first to write a review

Adjust category ratings

Ease of use

Ease of use

Brand satisfaction

Value for money

Service quality

Brand satisfaction

Ease of use

Brand satisfaction

Value for money

Service quality

Value for money

Ease of use

Brand satisfaction

Value for money

Service quality

Service quality

Ease of use

Brand satisfaction

Value for money

Service quality

Share your experience

People discuss, price, satisfaction level and more.

Write your review

30 Sep 2020

Almost done!

Check that everything's correct, fill in your details, and submit your review!

Anonymous

Ease of use

Brand satisfaction

Value for money

Service quality

Today

Your review will be screened by our team
Whoo-hoo!
Thanks, we love getting your feedback
Spot Pet Insurance