Is Spot Pet Insurance Worth It? Our Review 2025
Our expert's opinion on Spot
Spot Pet Insurance stands out in the US pet insurance market for its flexible, modular coverage that allows pet owners to tailor both accident and illness protection as well as preventive care, with optional Gold and Platinum wellness packages. Annual reimbursement limits and deductible levels are customizable at the time of enrollment, which lets users manage their maximum annual benefit and cost-sharing responsibilities in line with their needs. Spot’s reimbursement rates are competitive—selected at signup—and preventive care options offer capped reimbursement for common routine procedures, dental cleanings, vaccines, and tests, positioning Spot as a mid-to-upper tier provider versus low-cost rivals like Lemonade and more premium, comprehensive plans like Trupanion. Spot is notably strong for younger pets and owners looking for broad medical and behavioral coverage, but it also suits purebred animals, given genetic illness inclusions, as well as those seeking wellness budget add-ons. The insurer, Independence American Insurance Company, manages significant premium volumes and is recognized for solid financial stability. Spot's Trustpilot rating hovers around 4.2/5 on 3,100+ reviews—a positive indicator of customer satisfaction. Digital claims processing and prorated refunds on early cancellation are highlights, with observed average claim turnaround of 10–14 days, which meets or outpaces most US competitors.
- Highly flexible plan structure with adjustable limits and deductibles
- Optional Gold or Platinum wellness add-ons for preventive care
- Covers broad range of conditions, including behavioral and cancer care
- Annual direct-vet or reimbursement claims possible
- No breed or age restrictions for enrollment
- Nationwide US coverage, including territories and Canada
- 30-day money-back guarantee if no claims made
- Strict exclusions for pre-existing and waiting period conditions
- Reimbursement rates and benefit limits require careful selection at enrollment
- Preventive care reimbursed only up to capped amounts per procedure
- No coverage for elective, cosmetic, or training-related services
- Premiums may increase yearly at renewal
- Spot Guarantees
- Spot Exclusions
- Spot rates
- Spot Assistance
- Customer feedback on Spot
- How to contact Spot?
- FAQ
Why trust HelloSafe?
At HelloSafe, our pet insurance experts review the terms and pricing of 34 insurance plans on the market each year to provide you with reliable and impartial analysis. Thanks to this thorough approach, hundreds of thousands of users across the US trust us every month to help guide them through their most important financial decisions.
Spot Guarantees
Spot Pet Insurance stands out thanks to modular formulas covering illness, accident, and reimbursing real veterinary fees at customizable rates (70–90%) and annual deductibles (from $100), with annual reimbursement limits varying by policy. Its contractual flexibility and broad eligible treatments—including therapies, hospitalization, cancer care, and behavioral therapy—are key strengths, especially compared to typical competitors. Preventive care is offered via two add-on options (Gold, Platinum) with fixed annual caps per act for wellness (vaccines, dental scaling, routine exam, etc.) but these remain quite limited in scope and amounts. Spot's main weaknesses concern strict exclusions on pre-existing conditions, dental exclusions outside illness or option, and lack of routine dental cleaning unless opting for preventive endorsement. Notably, the coverage extends to the USA, territories, and Canada, but does not include third-party liability or non-veterinary costs.
| Name of guarantee | Base Formula (Accident & Illness) | Gold Preventive Option | Platinum Preventive Option |
|---|---|---|---|
| Positioning of formula | Modular health coverage for dog/cat | Preventive wellness add-on | Enhanced preventive add-on |
| Type of coverage | Accident & illness | Preventive care | Preventive care |
| Covered animals | Dog and cat designated in contract | Dog and cat | Dog and cat |
| Reimbursement rate % | Choice of 70%, 80%, 90% | Not applicable | Not applicable |
| Annual reimbursement limit | As chosen, variable per contract | $50–$100 per act, max per act | $25–$150 per act, max per act |
| Deductible (annual/per act) | Annual, $100 minimum (variable per quote) | Not applicable | Not applicable |
| Age min/max for subscription – Dog | NC | NC | NC |
| Age min/max for subscription – Cat | NC | NC | NC |
| Health questionnaire required? | NC | No | No |
| Waiting period for illness | 14 days | Not applicable | Not applicable |
| Waiting period for accident | 14 days | Not applicable | Not applicable |
| Lifetime guarantee once insured? | Yes, subject to terms | No | No |
| Standard/emergency/specialist vet visits | Covered | Routine exam: $50/yr | Routine exam: $50/yr |
| Medications | Covered if prescribed | Not covered | Not covered |
| Hospitalization | Covered | Not covered | Not covered |
| Ambulance fees | Covered | Not covered | Not covered |
| Surgery, anesthesia | Covered | Not covered | Not covered |
| Scans, MRI, ultrasound | Covered | Not covered | Not covered |
| Lab analysis | Covered | Not covered | Blood/urine/parasite tests: $25/yr each |
| Radiotherapy | Covered | Not covered | Not covered |
| Dental care | Dental extraction if illness/accident | Scaling: $100/yr | Scaling or neuter: $150/yr |
| Scaling | Not covered unless preventive option | $100/yr | $150/yr |
| Prevention package | Not included | Routine, vaccines, limited tests | Routine, vaccines, more acts, neutering |
| Alternative medicine (e.g. acupuncture) | Covered if vet-performed | Not covered | Not covered |
| Therapeutic diet/food | Only if prescribed for covered condition | Not covered | Not covered |
| Covered countries / travel | USA, US territories, Canada | USA, US territories, Canada | USA, US territories, Canada |
| Death/cremation | Euthanasia, burial, cremation if medical | Not covered | Not covered |
| Euthanasia | Covered (excl. commemorative items) | Not covered | Not covered |
| Theft/loss/search fees | Not covered | Not covered | Not covered |
| Boarding fees | Not covered | Not covered | Not covered |
Good to know
Exclusions strictly apply to pre-existing conditions, non-prescribed hygiene and preventive products, as well as experimental treatments. Wellness (preventive) benefits have fixed maximums per act per year—unused acts do not carry over and only one reimbursement by type/year is possible. Base plan covers only the named animal and works in excess of any other health insurance; non-veterinary items and behaviors or illnesses due to neglect, breeding, or work use are not covered.
Spot Exclusions
Among the exclusions of the Spot Pet Insurance contract, it is important to note a very strict formalism for pre-existing conditions, which can only be reconsidered for coverage after 180 days without symptoms for a fully resolved issue, excluding ligament/knee conditions.
The coverage never applies to dental care for aesthetic or corrective purposes (crowns, prostheses, etc.), nor to experimental treatments or clinical trials, which remain excluded, even if some competitors make exceptions in cases of recognized innovation.
Spot refuses any coverage if the animal is used for competitions, hunting, security, or racing, thereby limiting coverage to purely companion animals.
It is also notable that all non-strictly veterinary expenses (commemorative objects, urns, everyday hygiene products, etc.) as well as services provided by a member of the policyholder's household are fully excluded.
Finally, coverage remains geographically restricted to North America (USA, US territories, and Canada) and does not cover cases of epidemic, pandemic, or conflict-related diseases, whereas some French companies may offer limited international coverage.
| Exclusions | Details |
|---|---|
| Medical exclusions and care | - Pre-existing conditions (except curable illnesses resolved for 180 days, excluding ligaments/knees) - Dental care for aesthetic or corrective purposes (crowns, implants, roots) - Experimental treatments or unrecognized clinical trials - Dental cleaning except for covered/specific disease - Pre-existing or waiting period ligament/knee issues - Treatments or foods prescribed for prevention/after resolution - Organ or heart valve transplants - Training or training devices |
| Exclusions related to the animal and activity | - Animals used for hunting, competitions, security, races - Accidents or diseases caused intentionally (abuse, negligence, intentional acts) - Care provided by the policyholder, co-owner or family members |
| Geographic/event exclusions | - Care outside the USA, US territories (Guam, Puerto Rico, Virgin Islands) and Canada - Epidemic/pandemic diseases, nuclear/chemical contamination, war, terrorism |
| Non-veterinary/administrative fee exclusions | - Non-veterinary fees (toys, harnesses, bedding, etc.) - Funeral expenses, urns, commemorative objects - Non-prescription grooming, common hygiene products - Home vet travel expenses (unless agreed) - Ancillary services (administrative fees, taxes, file, etc.) |
- Dental care for aesthetic or corrective purposes (crowns, implants, roots)
- Experimental treatments or unrecognized clinical trials
- Dental cleaning except for covered/specific disease
- Pre-existing or waiting period ligament/knee issues
- Treatments or foods prescribed for prevention/after resolution
- Organ or heart valve transplants
- Training or training devices
- Accidents or diseases caused intentionally (abuse, negligence, intentional acts)
- Care provided by the policyholder, co-owner or family members
- Epidemic/pandemic diseases, nuclear/chemical contamination, war, terrorism
- Funeral expenses, urns, commemorative objects
- Non-prescription grooming, common hygiene products
- Home vet travel expenses (unless agreed)
- Ancillary services (administrative fees, taxes, file, etc.)
Spot rates
Spot Pet Insurance adopts a mid-range to slightly higher pricing position, justified by a wide range of coverage options that include both accident and illness protection, with customizable limits and reimbursement rates. Deductibles and exclusions remain within the US market standard, but modular preventive options (Gold, Platinum) enhance the offer’s completeness, especially for costly procedures like sterilization or multiple vaccines. The entire customer journey and service is fully digitalized, cutting administrative costs and improving claims management compared to traditional insurers with physical agencies. However, strict policies on pre-existing conditions and annual limits for optional packages can cap generosity for pets with high medical needs. In summary, Spot is mainly suited for owners seeking robust, flexible, and fully online-managed coverage, while still positioned at the mid to high end of the market in terms of pricing.
Compare plans to get the best coverage at the most advantageous price according to your profile and needs.
| Base Plan | Gold Preventive | Platinum Preventive | |
|---|---|---|---|
| Young cat (2 - 4 years) | $20/month | $32/month | $46/month |
| Senior cat (7 - 8 years) | $34/month | $46/month | $60/month |
| Small breed dog | $28/month | $40/month | $55/month |
| Small breed dog (2 - 4 years) | $24/month | $36/month | $50/month |
| Large breed dog (2 - 4 years) | $38/month | $50/month | $68/month |
| Senior dog (7 - 8 years) | $60/month | $72/month | $95/month |
Spot promo codes
| Spot promo codes | Details |
|---|---|
| HelloSafe promo code | -5% off your quote |
Note: Promo codes are subject to change. For the latest promo codes, visit our comparison of the best pet insurance policies.
How much will I be reimbursed with Spot?
| Soin | Prix moyen (USD) | Spot Base (Accidents & Maladies) b9 | Spot Pr e9ventif Gold (option) b2 | Spot Pr e9ventif Platinum (option) b2 |
|---|---|---|---|---|
| Consultation v e9t e9rinaire | $60 | Reimbursed up to 90% b2: $54 Out-of-pocket: $6 (excluding deductible) | Not covered | Not covered |
| Vaccines (annual) | $25 | Not covered | Reimbursed $20 Out-of-pocket: $5 (excluding deductible) | Reimbursed $25 Out-of-pocket: $0 (excluding deductible) |
| Neutering/Spaying | $250 | Not covered | Not covered | Reimbursed $150 Out-of-pocket: $100 (excluding deductible) |
| Dental cleaning | $200 | Not covered except illness (otherwise) Not covered | Reimbursed $100 Out-of-pocket: $100 (excluding deductible) | Reimbursed $150 Out-of-pocket: $50 (excluding deductible) |
| X-ray (accident/illness) | $150 | Reimbursed up to 90% b2: $135 Out-of-pocket: $15 (excluding deductible) | Not covered | Not covered |
Out-of-pocket: $6 (excluding deductible)
Out-of-pocket: $5 (excluding deductible)
Out-of-pocket: $0 (excluding deductible)
Out-of-pocket: $100 (excluding deductible)
(otherwise) Not covered
Out-of-pocket: $100 (excluding deductible)
Out-of-pocket: $50 (excluding deductible)
Out-of-pocket: $15 (excluding deductible)
Important information
b9 Example with 90% reimbursement, excluding annual deductible, applicable for non-pre-existing accident/illness.
b2 Annual/procedure cap, excluding annual deductible. Gold/Platinum options must be purchased separately.
Spot Assistance
Spot does not offer a true advance payment service like Payvet, which can mean an immediate financial burden for the policyholder in the event of a veterinary emergency.
Reimbursement is made after electronic submission of receipts, which demonstrates a digital process, but there is no information about a dedicated mobile app or its features (ergonomics, user rating).
No 24/7 veterinary emergency service or teleconsultation is explicitly included, limiting support in critical situations.
Spot also does not have a network of partner clinics or veterinarians, which could improve the care experience.
International coverage is limited to the United States, American territories, and Canada, excluding any stay or move outside this area.
| Spot Assistance | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No Payvet-like service. The owner must pay for care up front before reimbursement, except in special cases agreed between Spot and the vet. |
| Payment options | ❌ | No interest-free payment plan options for policyholders are mentioned in the contract documentation. |
| Mobile app | ❌ | No information on the existence, ergonomics, or rating of an official mobile app for Spot customers. |
| Digital claim management | ✅ | Claims and care receipts are submitted via a digital platform. Claim tracking is done through Spot's online space or by email. |
| Veterinary emergency | ❌ | No veterinary emergency services—no 24/7 hotline or teleconsultation—are listed among the offered services. |
| Partners network | ❌ | No official partner network. Customers can choose any accredited vet, with no network advantages or simplified process. |
| International coverage | ✅ | Insurance only valid in the USA, American territories, and Canada. Outside this zone, the animal is not covered, not even for short stays. |
Customer feedback on Spot
| Site d'avis | Note et nombre d'avis |
|---|---|
| Trustpilot | 4.1/5 (plus de 4 200 avis) |
| ConsumerAffairs | 4.0/5 (environ 1 100 avis) |
| Google Reviews | 4.4/5 (environ 250 avis) |
We have analyzed reviews from the sites listed above. On the positive side, policyholders who have chosen Spot Pet Insurance for their pets often mention:
- An intuitive and easy-to-use digital platform: the online dashboard and claims process are frequently praised for being straightforward and quick.
- Fast reimbursement: many clients highlight the speedy turnaround for payments after submitting claims, often within a few days.
- Flexible plan customization: the ability to tailor reimbursement rates, deductibles, and coverage levels to individual needs is appreciated by many customers.
- Broad coverage for a wide range of illnesses and accidents: several reviewers are reassured by the comprehensiveness of medical issues and procedures covered.
- Professional and friendly customer service: users often report helpfulness and courtesy from support staff, especially when guiding them through claims or policy questions.
- Preventive care options: the inclusion of wellness and routine care add-ons appeals to pet owners looking for routine veterinary expense assistance.
On the negative side:
- The waiting period for coverage activation is considered too long by some, especially for illness coverage.
- Some policyholders experience claim denials due to pre-existing conditions or exclusions they did not fully understand at purchase.
- Annual premium increases are reported to be higher than expected, especially as pets age.
- The reimbursement process, while usually fast, can be delayed or complicated by additional documentation requests, leading to frustration.
- There are complaints regarding caps and annual limits, particularly when facing multiple expensive treatments in a year.
- Some customers find preventive care reimbursements to be lower than the actual costs incurred, limiting the perceived value of these options.
How to contact Spot?
| Customer service Spot | Details |
|---|---|
| To get a quote or subscribe online | To subscribe, use our pet insurance comparison tool of the best offers. Select the Spot offer that suits you. Request a personalized quote directly on the website: https://spotpetins.com/ You can subscribe online 24/7. For any questions during subscription: Phone: +1 (888) 501-7768 Email: [email protected] |
| To request and track a reimbursement | Submit your claim online via your insured area at https://account.spotpetins.com/login Please include: - Completed claim form - Detailed veterinary invoices - Description of the intervention/care Maximum claim deadline: 270 days after care. Average reimbursement time: 3 to 5 business days after validation. Payment by bank transfer or check. To track your claim: Phone: +1 (888) 501-7768 Email: [email protected] |
| To get a certificate of insurance | Log in to your client area https://account.spotpetins.com/login to automatically download your certificate. If not possible, contact customer service: Phone: +1 (888) 501-7768 Email: [email protected] |
| To contact assistance | For any question, need help on your contract or administrative assistance: Phone: +1 (888) 501-7768 (Monday to Friday, 9 am–6 pm EST) Email: [email protected] Mailing address: Spot Pet Insurance - 1208 Massillon Rd, Suite G200, Akron OH 44306, USA |
| To cancel my contract | Send your cancellation request by email to [email protected] or by mail to: Spot Pet Insurance - 1208 Massillon Rd, Suite G200, Akron OH 44306, USA Mention your contract references and the concerned pet. Sign the request and attach an ID if needed. Recommended notice: 1 day (pro rata refund of amounts already paid). If canceled within 30 days of subscription and without any claim made: full refund. Phone: +1 (888) 501-7768 for any questions. |
Select the Spot offer that suits you.
Request a personalized quote directly on the website: https://spotpetins.com/
You can subscribe online 24/7.
For any questions during subscription:
Phone: +1 (888) 501-7768
Email: [email protected]
Please include:
- Completed claim form
- Detailed veterinary invoices
- Description of the intervention/care
Maximum claim deadline: 270 days after care.
Average reimbursement time: 3 to 5 business days after validation.
Payment by bank transfer or check.
To track your claim:
Phone: +1 (888) 501-7768
Email: [email protected]
If not possible, contact customer service:
Phone: +1 (888) 501-7768
Email: [email protected]
Phone: +1 (888) 501-7768 (Monday to Friday, 9 am–6 pm EST)
Email: [email protected]
Mailing address: Spot Pet Insurance - 1208 Massillon Rd, Suite G200, Akron OH 44306, USA
Spot Pet Insurance - 1208 Massillon Rd, Suite G200, Akron OH 44306, USA
Mention your contract references and the concerned pet.
Sign the request and attach an ID if needed.
Recommended notice: 1 day (pro rata refund of amounts already paid).
If canceled within 30 days of subscription and without any claim made: full refund.
Phone: +1 (888) 501-7768 for any questions.
FAQ
Do I have to pay the vet upfront with Spot?
With Spot pet insurance, you generally pay your veterinary bills directly at the clinic and then submit your claim for reimbursement. Spot does not operate a direct pay or third-party payment system like Payvet. However, if a veterinarian agrees and is authorized, Spot may sometimes allow direct payment, but this is not guaranteed. Most policyholders should plan to pay out-of-pocket first and get reimbursed afterward.
How do I cancel my Spot pet insurance policy?
To cancel your Spot pet insurance, contact customer service via email, phone, or your online account. There is no minimum notice period; cancellation can be done at any time, with a prorated refund for unused coverage (if no claims were made). No special documents are usually required, but include your policy details to speed up the process.
What does Spot pet insurance cover and not cover?
Spot covers medical expenses for accidents, illnesses, and even some behavioral issues and therapies, within your policy's limits and after the waiting periods. Optional coverage for preventive care is available at extra cost. Exclusions include pre-existing conditions, cosmetic procedures, routine grooming, breeding or pregnancy expenses, and conditions during waiting periods. Always check specific exclusions in your plan details.
Are pre-existing conditions covered under Spot insurance?
No, Spot does not cover illnesses or injuries that showed symptoms before enrollment or during the policy’s waiting period. However, certain curable conditions may be covered again if your pet is symptom-free for at least 180 days (except for knee/ligament problems). Chronic or recurring conditions that existed before coverage will remain excluded.
How do Spot’s preventive care options work?
Spot offers optional preventive care packages (Gold and Platinum), which reimburse you up to set annual limits for routine services like vaccines, dental cleanings, wellness exams, and more. These add-ons must be chosen at enrollment or renewal, and each covered service has its own annual maximum. Preventive services must be performed by a licensed veterinarian to be eligible.
Do I have to pay the vet upfront with Spot?
With Spot pet insurance, you generally pay your veterinary bills directly at the clinic and then submit your claim for reimbursement. Spot does not operate a direct pay or third-party payment system like Payvet. However, if a veterinarian agrees and is authorized, Spot may sometimes allow direct payment, but this is not guaranteed. Most policyholders should plan to pay out-of-pocket first and get reimbursed afterward.
How do I cancel my Spot pet insurance policy?
To cancel your Spot pet insurance, contact customer service via email, phone, or your online account. There is no minimum notice period; cancellation can be done at any time, with a prorated refund for unused coverage (if no claims were made). No special documents are usually required, but include your policy details to speed up the process.
What does Spot pet insurance cover and not cover?
Spot covers medical expenses for accidents, illnesses, and even some behavioral issues and therapies, within your policy's limits and after the waiting periods. Optional coverage for preventive care is available at extra cost. Exclusions include pre-existing conditions, cosmetic procedures, routine grooming, breeding or pregnancy expenses, and conditions during waiting periods. Always check specific exclusions in your plan details.
Are pre-existing conditions covered under Spot insurance?
No, Spot does not cover illnesses or injuries that showed symptoms before enrollment or during the policy’s waiting period. However, certain curable conditions may be covered again if your pet is symptom-free for at least 180 days (except for knee/ligament problems). Chronic or recurring conditions that existed before coverage will remain excluded.
How do Spot’s preventive care options work?
Spot offers optional preventive care packages (Gold and Platinum), which reimburse you up to set annual limits for routine services like vaccines, dental cleanings, wellness exams, and more. These add-ons must be chosen at enrollment or renewal, and each covered service has its own annual maximum. Preventive services must be performed by a licensed veterinarian to be eligible.
