Spot Pet Insurance 2025: Honest Review, Key Benefits & Drawbacks
Our expert's opinion on Spot
Spot Pet Insurance stands out in the US market with highly flexible accident & illness plans for dogs and cats, offering customizable annual limits, deductible options, and reimbursement rates up to 90% with no lifetime or per-condition caps.Its plans—Accident-Only or Accident & Illness—may be enhanced with Gold or Platinum wellness add-ons for fixed annual reimbursements toward preventive care, setting Spot’s flexibility and high digital convenience apart from both budget and premium-focused competitors; pricing starts at $15/month for dogs and $9/month for cats, plus a multi-pet discount and employee perks.Spot is especially well-suited to owners of young or older pets (no upper age limits), those wanting high reimbursement rates, and multi-pet families seeking quick, paperless claims and wellness coverage flexibility.Underwritten by Independence American Insurance Company, Spot manages significant premium volumes, and its financial stability is reflected in a leading Trustpilot rating of 4.7/5 from over 8,000 reviews; most online/app claims are reimbursed within 2 days, highlighting fast digital-first processing and customer satisfaction.
- ✅Up to 90% reimbursement, no lifetime caps
- ✅Customizable annual limits, deductibles, and reimbursement rates
- ✅Optional preventive care add-ons (Gold, Platinum)
- ✅No upper age limits, enroll at any age
- ✅Fast claims: most processed within 2 days
- ✅Any licensed US/Canada vet covered
- ✅Highly rated: 4.7/5 Trustpilot, 8,000+ reviews
- ❌Preventive care only via paid endorsement
- ❌Per-item limits on wellness reimbursements
- ❌Does not cover pre-existing conditions
- ❌Some users report rare claim documentation issues
- ❌Pricing varies with breed, age, location
- ✅Up to 90% reimbursement, no lifetime caps
- ✅Customizable annual limits, deductibles, and reimbursement rates
- ✅Optional preventive care add-ons (Gold, Platinum)
- ✅No upper age limits, enroll at any age
- ✅Fast claims: most processed within 2 days
- ✅Any licensed US/Canada vet covered
- ✅Highly rated: 4.7/5 Trustpilot, 8,000+ reviews
Our expert's opinion on Spot
ScoreSpot Pet Insurance stands out in the US market with highly flexible accident & illness plans for dogs and cats, offering customizable annual limits, deductible options, and reimbursement rates up to 90% with no lifetime or per-condition caps.Its plans—Accident-Only or Accident & Illness—may be enhanced with Gold or Platinum wellness add-ons for fixed annual reimbursements toward preventive care, setting Spot’s flexibility and high digital convenience apart from both budget and premium-focused competitors; pricing starts at $15/month for dogs and $9/month for cats, plus a multi-pet discount and employee perks.Spot is especially well-suited to owners of young or older pets (no upper age limits), those wanting high reimbursement rates, and multi-pet families seeking quick, paperless claims and wellness coverage flexibility.Underwritten by Independence American Insurance Company, Spot manages significant premium volumes, and its financial stability is reflected in a leading Trustpilot rating of 4.7/5 from over 8,000 reviews; most online/app claims are reimbursed within 2 days, highlighting fast digital-first processing and customer satisfaction.
- ✅Up to 90% reimbursement, no lifetime caps
- ✅Customizable annual limits, deductibles, and reimbursement rates
- ✅Optional preventive care add-ons (Gold, Platinum)
- ✅No upper age limits, enroll at any age
- ✅Fast claims: most processed within 2 days
- ✅Any licensed US/Canada vet covered
- ✅Highly rated: 4.7/5 Trustpilot, 8,000+ reviews
- ❌Preventive care only via paid endorsement
- ❌Per-item limits on wellness reimbursements
- ❌Does not cover pre-existing conditions
- ❌Some users report rare claim documentation issues
- ❌Pricing varies with breed, age, location
- ✅Up to 90% reimbursement, no lifetime caps
- ✅Customizable annual limits, deductibles, and reimbursement rates
- ✅Optional preventive care add-ons (Gold, Platinum)
- ✅No upper age limits, enroll at any age
- ✅Fast claims: most processed within 2 days
- ✅Any licensed US/Canada vet covered
- ✅Highly rated: 4.7/5 Trustpilot, 8,000+ reviews
Why Trust HelloSafe?
At HelloSafe, our pet insurance expert reviews the terms and pricing of insurance policies available in the market every year to provide you with reliable and unbiased analysis. Thanks to this thorough approach, over a million Americans trust us each month to help guide them through their most important financial decisions.
Guaranteed Spot
Spot stands out by offering fully customizable pet insurance plans for dogs and cats, allowing policyholders to select their annual limits (up to unlimited), reimbursement rates (70%, 80%, or 90%), and deductible levels, which makes it one of the most flexible and accessible solutions on the market.
Both accident-only and accident & illness plans are available, the latter covering chronic, hereditary, dental, and behavioral conditions—a broader scope than many competitors.
Optional Gold and Platinum wellness riders add routine and preventive care benefits at preset reimbursement caps, although these wellness reimbursements are notably limited per procedure.
Strengths include fast claims processing, 24/7 pet telehealth, no upper age limits, and enrollment without a pre-policy vet exam, but pre-existing conditions, many cosmetic and non-veterinary services, and most preventive care (unless endorsed) are excluded.
Spot’s direct payment option to veterinarians and broadly positive reputation for customer service also distinguish the brand in the U.S. pet insurance market.
Compare Spot’s plans before enrolling to find the best price and coverage for your pet.
| Name of coverage | Spot Accident-Only Plan | Spot Accident & Illness Plan | Optional Preventive Care – Gold | Optional Preventive Care – Platinum |
|---|---|---|---|---|
| Plan positioning | Entry-level, budget & essential accident coverage | Broadest protection, most recommended | Add-on for basic wellness | Add-on for advanced wellness |
| Type of coverage (accident, illness etc.) | Accidents only | Accidents & illnesses (comprehensive) | Routine & preventive care | Enhanced routine & preventive care |
| Animals covered (dogs, cats, other) | Dogs and cats | Dogs and cats | Dogs and cats | Dogs and cats |
| Reimbursement rate (%) | 70%, 80%, or 90% (selected by user) | 70%, 80%, or 90% (selected by user) | N/A | N/A |
| Annual reimbursement limit | User-selected: $2,500–Unlimited | User-selected: $2,500–Unlimited | Per-procedure caps (see below) | Per-procedure caps (see below) |
| Deductible (annual or per claim) | $100–$1,000 annual; selected by user | $100–$1,000 annual; selected by user | N/A | N/A |
| Age limits for enrollment | 8+ weeks, no upper age limit | 8+ weeks, no upper age limit | 8+ weeks, no upper age limit | 8+ weeks, no upper age limit |
| Pre-enrollment health questionnaire | ❌ No required health questionnaire | ❌ No required health questionnaire | ❌ | ❌ |
| Waiting period (illness) | N/A | 14 days | N/A | N/A |
| Waiting period (accident) | 14 days | 14 days | N/A | N/A |
| Lifetime coverage once subscribed | ✅ | ✅ | ✅ | ✅ |
| Vet consultations (regular + emergency) | ✅ Accident-related only | ✅ Both regular and emergency illness/accident | ❌ | ❌ |
| Medications | ✅ Accident-related prescribed meds | ✅ Prescribed meds for accident or illness | ❌ | ❌ |
| Hospitalization | ✅ Accident-related only | ✅ Covered (accident/illness inpatient care) | ❌ | ❌ |
| Surgery (including anesthesia) | ✅ Accident-related only | ✅ Accident & illness surgeries | ❌ | ❌ |
| Diagnostic tests (X-ray, MRI, labs, etc.) | ✅ Accident-related only | ✅ Both accident & illness diagnostics | ❌ | ❌ |
| Dental care (scaling/procedures) | ❌ Excluded except for extractions from accident | ✅ Dental illness & accident extractions/procedures | $100 dental cleaning cap per year | $150 dental cleaning or spay/neuter cap |
| Preventive care package | ❌ | ❌ | Vaccines, exam, deworming, tests | Vaccines, exam, spay/neuter, labs, tests |
| Alternative medicine | ✅ If performed by a veterinarian | ✅ If performed by a veterinarian | ❌ | ❌ |
| Travel coverage (countries/duration) | US, Canada, US terr. — during travel | US, Canada, US terr. — during travel | N/A | N/A |
| Civil liability | ❌ | ❌ | ❌ | ❌ |
| Euthanasia | ✅ Accident-related | ✅ Accident & illness related | ❌ | ❌ |
| Death & cremation coverage | ✅ Accident-related | ✅ Accident & illness related (limits apply) | ❌ | ❌ |
| Theft or loss of pet + search expenses | ❌ | ❌ | ❌ | ❌ |
| Boarding fees (if owner is hospitalized) | ❌ | ❌ | ❌ | ❌ |
Key Features of Preventive Care Plans
Preventive care claims (Gold and Platinum) have annual per-item caps, e.g., $50 wellness exam, $100–$150 dental cleaning or spay/neuter, $20–$25 per vaccine or test.
No network is required—any licensed US or Canadian vet is eligible.
24/7 telehealth/behavior support helpline is included in all plans.
Curable pre-existing conditions may be covered if symptom- and treatment-free for 180 days (does not apply to knees/ligaments).
Exclusion Spots
Spot’s exclusions are broadly in line with the pet insurance industry but remain clearly defined and transparent.
Notable standard exclusions include pre-existing conditions (with an exception for certain curable conditions), waiting periods, elective, cosmetic, or experimental procedures, and treatments carried out by anyone other than a licensed veterinarian.
Spot does not cover dental cleanings outside of accidents/illnesses or unless the wellness add-on is purchased, nor does it cover breeding, pregnancy, or preventive care without an endorsement.
Ligament and knee conditions are permanently excluded if diagnosed prior to, or during, the waiting period—a stricter application than many competitors.
Expenses related to boarding, grooming, supplies, intentional misconduct, pandemics, and certain hereditary conditions with symptoms prior to enrollment are also excluded.
| Exclusions | Details |
|---|---|
| Medical exclusions | - Pre-existing conditions (unless cured and symptom-free for 180+ days; knees/ligaments always excluded) - Conditions during a waiting period - Dental cleanings (except for illness/accident or wellness add-on) - Breeding, pregnancy, whelping, nursing - Organ/heart valve transplants - Preventive or maintenance care (unless via endorsement) - Supplements/vitamins for prevention/maintenance - Prescription foods not for covered conditions - Experimental/investigational treatments - Memorial, funeral, urn, casket, burial, or plot expenses |
| Provider and service exclusions | - Non-veterinary services or treatment by non-licensed providers - Training, training devices, non-veterinary services - House call/travel fees |
| Cosmetic/procedure exclusions | - Cosmetic/elective/endodontic/orthodontic dental work (caps, crowns, fillings, implants, root canals) - Cosmetic/elective prostheses or procedures (declawing, tail docking, ear cropping) |
| Behavioral and intentional exclusions | - Malicious, intentional, grossly negligent, or non-standard care by owner/household/caregiver - Policyholder/family self-treatment |
| Geographic and event exclusions | - Care outside US/Canada (other than during covered travel) - War, epidemic, pandemic, government orders, bio/nuclear/chemical acts, terrorism, civil unrest, racing, fighting, law enforcement activities |
| Identification/support exclusions | - Boarding, grooming, toys, leashes, bedding, and non-medical supplies |
- Conditions during a waiting period
- Dental cleanings (except for illness/accident or wellness add-on)
- Breeding, pregnancy, whelping, nursing
- Organ/heart valve transplants
- Preventive or maintenance care (unless via endorsement)
- Supplements/vitamins for prevention/maintenance
- Prescription foods not for covered conditions
- Experimental/investigational treatments
- Memorial, funeral, urn, casket, burial, or plot expenses
- Training, training devices, non-veterinary services
- House call/travel fees
- Cosmetic/elective prostheses or procedures (declawing, tail docking, ear cropping)
- Policyholder/family self-treatment
- War, epidemic, pandemic, government orders, bio/nuclear/chemical acts, terrorism, civil unrest, racing, fighting, law enforcement activities
Spot Prices
Spot occupies a mid-range to slightly competitive pricing position in the US pet insurance market, reflecting its high flexibility with customizable annual limits, deductible levels, and reimbursement rates up to 90%.
The brand’s offer is comprehensive (including accident, illness, hereditary and chronic conditions, behavioral issues, and access to any licensed US/Canadian vet) without requiring a vet exam at sign-up or imposing an upper age limit—features typically associated with more expensive or premium insurers.
Spot's pure digital approach helps keep administrative costs low, which is reflected in a generally affordable premium relative to the scope of coverage provided.
Plans start around $9 per month for cats and $15 per month for dogs, putting Spot’s entry-level costs below average, but premiums increase based on pet age, breed, and chosen coverage options.
Overall, Spot achieves a balanced positioning: it is not the absolute least expensive, but for pet owners seeking robust coverage and rapid claims in a digital format, its pricing is highly competitive for the market segment.
| Accident-Only Plan | Accident & Illness Plan | |
|---|---|---|
| Young cat (2–4 years) | $9–$13/month | $18–$23/month |
| Senior cat (7–8 years) | $13–$18/month | $28–$33/month |
| Small breed dog | $15–$20/month | $28–$35/month |
| Small breed dog (2–4 years) | $15–$18/month | $28–$32/month |
| Large breed dog (2–4 years) | $17–$23/month | $35–$45/month |
| Senior dog (7–8 years) | $23–$32/month | $52–$68/month |
Check your pet’s details and compare Spot’s plans to find the best value for your budget.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Promo Codes Spot
| Spot Promo Codes | Details |
|---|---|
| Multi-pet discount | 10% off each added pet (except HI, TN) |
| Employee discount | Up to 20% off (where available) |
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
Spot reimbursement amounts
Reimbursements with Spot are simple: after you pay the vet directly, submit your claim online or via the app, and Spot will reimburse you based on your chosen deductible and reimbursement rate up to your annual limit.
Fractured Leg Treatment Reimbursement Example
Total veterinary cost: $2,500 (x-rays, surgery, hospitalization)
Annual deductible: $100 (already used earlier this year)
Reimbursement rate: 90%
Calculation: $2,500 × 90% = $2,250 reimbursed
👉 You receive $2,250 from Spot, with $250 as your out-of-pocket expense.
ℹ️ The deductible applies only once per year—future claims are not affected until the next policy period.
Cancer diagnosis and chemotherapy reimbursement example
Total veterinary cost: $4,800 (exams, ultrasound, chemotherapy)
Annual deductible: $0 remaining (already satisfied earlier in the year)
Reimbursement rate: 90%
Calculation: $4,800 × 90% = $4,320 reimbursed
👉 You receive $4,320 from Spot; your out-of-pocket cost is $480.
ℹ️ Your annual policy limit applies; check your cap if ongoing treatments are needed.
Annual preventive care visit (Wellness coverage with Platinum Preventive add-on)
Total vet cost for dental cleaning and wellness exam: $220
Maximum annual reimbursement: $150 (dental cleaning) + $50 (wellness exam) = $200
Deductible: Does not apply to wellness/preventive care
Reimbursed amount: $200
👉 You receive $200 from Spot; your remaining cost is $20.
ℹ️ Preventive care reimbursements are subject to per-service annual caps (e.g. $150 for dental, $50 for exam with Platinum); these do not reduce your illness/accident coverage.
Assistance Spot
Spot does not offer an advance payment service—policyholders must pay the vet directly and claim reimbursement afterward.
Payment options are not clearly detailed, so clients should expect standard monthly payments with no mention of fee-free installment plans.
The Spot mobile app is available for both iOS and Android, highly rated by users, and supports claims submission, coverage tracking, and plan management.
Reimbursements can be requested entirely online or via the app, making the claims process quick and paperless.
There is no 24/7 emergency vet helpline or teleconsultation included, and Spot does not operate a vetted partner clinic network; however, coverage extends to any licensed vet in the US, its territories, and Canada for up to 3 months when traveling.
| Assistance Spot | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment service; policyholders pay the vet and seek reimbursement from Spot. |
| Payment facilities | N.C. | N.C. |
| Mobile app | ✅ | Available for iOS and Android. Supports claims submission and coverage management. User ratings are high. |
| Paperless claims process | ✅ | Claims submitted digitally via app or web. No physical paperwork required. Most claims processed swiftly. |
| Emergency vet service | ❌ | No 24/7 emergency vet helpline or teleconsultation provided. |
| Vet/clinic partner network | ❌ | No preferred vet network. You may use any licensed US or Canadian veterinarian. |
| Coverage abroad | ✅ | Covers care in US, Puerto Rico, Guam, US Virgin Islands, Canada Maximum of 3 months per trip. |
Supports claims submission and coverage management.
User ratings are high.
No physical paperwork required.
Most claims processed swiftly.
You may use any licensed US or Canadian veterinarian.
Maximum of 3 months per trip.
Customer Reviews of Spot
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.7 / 5 (8,249 reviews) |
| N.C. | N.C. |
| N.C. | N.C. |
We analyzed reviews from the sites listed above. On the positive side, customers who subscribed to Spot for their pets often mention:
- ✅ An efficient and friendly customer service: representatives are described as helpful and knowledgeable, with responsive follow-up.
- ✅ Fast and easy claims process: claims are frequently processed in just a few days, and the process via app or online is user-friendly.
- ✅ Reliable coverage: policyholders appreciate coverage that often meets or exceeds expectations, bringing peace of mind for unexpected vet bills.
- ✅ Extensive choice of any licensed vet: pet owners value the ability to visit any reputable clinic without network restrictions.
- ✅ Routine care add-ons: users highlight the flexibility to include wellness benefits and preventive care through add-ons in higher tiers.
On the negative side:
- A number of claims are denied due to pre-existing conditions, sometimes even when not clearly documented.
- Some users report issues with claim submission, including missing or lost documentation and the need to resubmit forms.
- Premiums can increase as the pet ages, with some finding the price rises faster than expected.
- Out-of-pocket expenses can still be high for some treatments, especially in lower-tier plans or after annual limits are reached.
- A lack of direct vet payment option may be inconvenient for those who wish to avoid upfront costs.
Contacting Spot: A Comprehensive Guide
| Spot Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Submit your claim via the Spot Pet Insurance app, online portal, or by fax. Required documents: completed claim form, detailed invoice from your vet, and medical records if requested. For assistance or to check status, contact customer service at 1-800-905-1595 or email [email protected]. Most claims are processed within 2 days and paid by direct deposit or check. |
| To obtain a certificate of insurance | Request a certificate by contacting Spot at 1-800-905-1595 or emailing [email protected]. You may also request documentation via your online account or the app. |
| To contact assistance | For general assistance, call 1-800-905-1595 or email [email protected]. No dedicated 24/7 emergency hotline or veterinary teleconsultation service is available. You can also write to Spot Pet Insurance, 1208 Massillon Rd, Suite G200, Akron, OH 44306. |
| To cancel my policy | Call 1-800-905-1595 or email [email protected] with your policy number and desired cancellation date. Written notice is recommended; provide your name, address, and pet details for identity verification. There is no set notice period—cancellations take effect immediately unless otherwise requested. Pro rata refund is provided for unused premium. |
Required documents: completed claim form, detailed invoice from your vet, and medical records if requested.
For assistance or to check status, contact customer service at 1-800-905-1595 or email [email protected].
Most claims are processed within 2 days and paid by direct deposit or check.
You may also request documentation via your online account or the app.
No dedicated 24/7 emergency hotline or veterinary teleconsultation service is available.
You can also write to Spot Pet Insurance, 1208 Massillon Rd, Suite G200, Akron, OH 44306.
Written notice is recommended; provide your name, address, and pet details for identity verification.
There is no set notice period—cancellations take effect immediately unless otherwise requested.
Pro rata refund is provided for unused premium.
FAQ
Do I have to pay upfront for veterinary fees with Spot?
Yes, you must pay your veterinary bill out of pocket at the time of your pet's care. Spot does not offer direct or advance payment to clinics—after your visit, you submit a claim to Spot for reimbursement. Claims are usually processed quickly, with refunds sent via direct deposit or check. Remember to keep all receipts and detailed invoices for your submission.
How do I cancel my pet insurance policy with Spot?
You may cancel your Spot policy at any time by calling 1-800-905-1595 or emailing [email protected]. Provide your policy number and pet details for identification; written notice is recommended but not required. There is no mandatory notice period, and cancellation is effective upon request. Any unused premium is refunded on a pro rata basis if no claims have been made for that period.
What does Spot pet insurance cover and exclude?
Spot covers unexpected accidents and illnesses for cats and dogs, including diagnostics, treatments, surgeries, prescription medications, and some behavioral issues when recommended by a vet. Preventive and wellness care—such as vaccines and dental cleanings—are only covered if you choose an optional add-on. Pre-existing conditions, breeding, cosmetic treatments, and most routine care are excluded. Each policy details the limits and specific coverage for your chosen plan.
How do I file a claim and how fast will I be reimbursed?
You can file a claim using the Spot app, online portal, or by fax. Provide a completed claim form, itemized invoice from your vet, and medical records if requested. Most claims are processed within 2 business days, with reimbursement sent by direct deposit or check. You have up to 270 days from the treatment date to submit your claim.
Can I choose any veterinarian with Spot?
Yes, Spot insurance lets you visit any licensed veterinarian, specialist, or emergency clinic in the United States, its territories, or Canada. There are no networks or preferred providers, so you're free to select the vet you trust most. Coverage abroad is available during trips of up to 3 months in the listed covered territories.
Does Spot cover preventive and routine care?
Preventive and routine care, such as vaccinations, wellness exams, and dental cleanings, are only included if you purchase a Gold or Platinum Preventive Care endorsement. These add-ons reimburse certain routine expenses up to fixed annual limits for each covered service. Without an endorsement, standard Spot plans do not cover routine or preventive services. Always review your policy documents to understand your specific coverage.
Do I have to pay upfront for veterinary fees with Spot?
Yes, you must pay your veterinary bill out of pocket at the time of your pet's care. Spot does not offer direct or advance payment to clinics—after your visit, you submit a claim to Spot for reimbursement. Claims are usually processed quickly, with refunds sent via direct deposit or check. Remember to keep all receipts and detailed invoices for your submission.
How do I cancel my pet insurance policy with Spot?
You may cancel your Spot policy at any time by calling 1-800-905-1595 or emailing [email protected]. Provide your policy number and pet details for identification; written notice is recommended but not required. There is no mandatory notice period, and cancellation is effective upon request. Any unused premium is refunded on a pro rata basis if no claims have been made for that period.
What does Spot pet insurance cover and exclude?
Spot covers unexpected accidents and illnesses for cats and dogs, including diagnostics, treatments, surgeries, prescription medications, and some behavioral issues when recommended by a vet. Preventive and wellness care—such as vaccines and dental cleanings—are only covered if you choose an optional add-on. Pre-existing conditions, breeding, cosmetic treatments, and most routine care are excluded. Each policy details the limits and specific coverage for your chosen plan.
How do I file a claim and how fast will I be reimbursed?
You can file a claim using the Spot app, online portal, or by fax. Provide a completed claim form, itemized invoice from your vet, and medical records if requested. Most claims are processed within 2 business days, with reimbursement sent by direct deposit or check. You have up to 270 days from the treatment date to submit your claim.
Can I choose any veterinarian with Spot?
Yes, Spot insurance lets you visit any licensed veterinarian, specialist, or emergency clinic in the United States, its territories, or Canada. There are no networks or preferred providers, so you're free to select the vet you trust most. Coverage abroad is available during trips of up to 3 months in the listed covered territories.
Does Spot cover preventive and routine care?
Preventive and routine care, such as vaccinations, wellness exams, and dental cleanings, are only included if you purchase a Gold or Platinum Preventive Care endorsement. These add-ons reimburse certain routine expenses up to fixed annual limits for each covered service. Without an endorsement, standard Spot plans do not cover routine or preventive services. Always review your policy documents to understand your specific coverage.
Ask a question, an expert will answer
Our expert's opinion on Spot
Spot Pet Insurance stands out in the US market with highly flexible accident & illness plans for dogs and cats, offering customizable annual limits, deductible options, and reimbursement rates up to 90% with no lifetime or per-condition caps.Its plans—Accident-Only or Accident & Illness—may be enhanced with Gold or Platinum wellness add-ons for fixed annual reimbursements toward preventive care, setting Spot’s flexibility and high digital convenience apart from both budget and premium-focused competitors; pricing starts at $15/month for dogs and $9/month for cats, plus a multi-pet discount and employee perks.Spot is especially well-suited to owners of young or older pets (no upper age limits), those wanting high reimbursement rates, and multi-pet families seeking quick, paperless claims and wellness coverage flexibility.Underwritten by Independence American Insurance Company, Spot manages significant premium volumes, and its financial stability is reflected in a leading Trustpilot rating of 4.7/5 from over 8,000 reviews; most online/app claims are reimbursed within 2 days, highlighting fast digital-first processing and customer satisfaction.
- ✅Up to 90% reimbursement, no lifetime caps
- ✅Customizable annual limits, deductibles, and reimbursement rates
- ✅Optional preventive care add-ons (Gold, Platinum)
- ✅No upper age limits, enroll at any age
- ✅Fast claims: most processed within 2 days
- ✅Any licensed US/Canada vet covered
- ✅Highly rated: 4.7/5 Trustpilot, 8,000+ reviews
- ❌Preventive care only via paid endorsement
- ❌Per-item limits on wellness reimbursements
- ❌Does not cover pre-existing conditions
- ❌Some users report rare claim documentation issues
- ❌Pricing varies with breed, age, location
- ✅Up to 90% reimbursement, no lifetime caps
- ✅Customizable annual limits, deductibles, and reimbursement rates
- ✅Optional preventive care add-ons (Gold, Platinum)
- ✅No upper age limits, enroll at any age
- ✅Fast claims: most processed within 2 days
- ✅Any licensed US/Canada vet covered
- ✅Highly rated: 4.7/5 Trustpilot, 8,000+ reviews
Our expert's opinion on Spot
ScoreSpot Pet Insurance stands out in the US market with highly flexible accident & illness plans for dogs and cats, offering customizable annual limits, deductible options, and reimbursement rates up to 90% with no lifetime or per-condition caps.Its plans—Accident-Only or Accident & Illness—may be enhanced with Gold or Platinum wellness add-ons for fixed annual reimbursements toward preventive care, setting Spot’s flexibility and high digital convenience apart from both budget and premium-focused competitors; pricing starts at $15/month for dogs and $9/month for cats, plus a multi-pet discount and employee perks.Spot is especially well-suited to owners of young or older pets (no upper age limits), those wanting high reimbursement rates, and multi-pet families seeking quick, paperless claims and wellness coverage flexibility.Underwritten by Independence American Insurance Company, Spot manages significant premium volumes, and its financial stability is reflected in a leading Trustpilot rating of 4.7/5 from over 8,000 reviews; most online/app claims are reimbursed within 2 days, highlighting fast digital-first processing and customer satisfaction.
- ✅Up to 90% reimbursement, no lifetime caps
- ✅Customizable annual limits, deductibles, and reimbursement rates
- ✅Optional preventive care add-ons (Gold, Platinum)
- ✅No upper age limits, enroll at any age
- ✅Fast claims: most processed within 2 days
- ✅Any licensed US/Canada vet covered
- ✅Highly rated: 4.7/5 Trustpilot, 8,000+ reviews
- ❌Preventive care only via paid endorsement
- ❌Per-item limits on wellness reimbursements
- ❌Does not cover pre-existing conditions
- ❌Some users report rare claim documentation issues
- ❌Pricing varies with breed, age, location
- ✅Up to 90% reimbursement, no lifetime caps
- ✅Customizable annual limits, deductibles, and reimbursement rates
- ✅Optional preventive care add-ons (Gold, Platinum)
- ✅No upper age limits, enroll at any age
- ✅Fast claims: most processed within 2 days
- ✅Any licensed US/Canada vet covered
- ✅Highly rated: 4.7/5 Trustpilot, 8,000+ reviews
Why Trust HelloSafe?
At HelloSafe, our pet insurance expert reviews the terms and pricing of insurance policies available in the market every year to provide you with reliable and unbiased analysis. Thanks to this thorough approach, over a million Americans trust us each month to help guide them through their most important financial decisions.
Guaranteed Spot
Spot stands out by offering fully customizable pet insurance plans for dogs and cats, allowing policyholders to select their annual limits (up to unlimited), reimbursement rates (70%, 80%, or 90%), and deductible levels, which makes it one of the most flexible and accessible solutions on the market.
Both accident-only and accident & illness plans are available, the latter covering chronic, hereditary, dental, and behavioral conditions—a broader scope than many competitors.
Optional Gold and Platinum wellness riders add routine and preventive care benefits at preset reimbursement caps, although these wellness reimbursements are notably limited per procedure.
Strengths include fast claims processing, 24/7 pet telehealth, no upper age limits, and enrollment without a pre-policy vet exam, but pre-existing conditions, many cosmetic and non-veterinary services, and most preventive care (unless endorsed) are excluded.
Spot’s direct payment option to veterinarians and broadly positive reputation for customer service also distinguish the brand in the U.S. pet insurance market.
Compare Spot’s plans before enrolling to find the best price and coverage for your pet.
| Name of coverage | Spot Accident-Only Plan | Spot Accident & Illness Plan | Optional Preventive Care – Gold | Optional Preventive Care – Platinum |
|---|---|---|---|---|
| Plan positioning | Entry-level, budget & essential accident coverage | Broadest protection, most recommended | Add-on for basic wellness | Add-on for advanced wellness |
| Type of coverage (accident, illness etc.) | Accidents only | Accidents & illnesses (comprehensive) | Routine & preventive care | Enhanced routine & preventive care |
| Animals covered (dogs, cats, other) | Dogs and cats | Dogs and cats | Dogs and cats | Dogs and cats |
| Reimbursement rate (%) | 70%, 80%, or 90% (selected by user) | 70%, 80%, or 90% (selected by user) | N/A | N/A |
| Annual reimbursement limit | User-selected: $2,500–Unlimited | User-selected: $2,500–Unlimited | Per-procedure caps (see below) | Per-procedure caps (see below) |
| Deductible (annual or per claim) | $100–$1,000 annual; selected by user | $100–$1,000 annual; selected by user | N/A | N/A |
| Age limits for enrollment | 8+ weeks, no upper age limit | 8+ weeks, no upper age limit | 8+ weeks, no upper age limit | 8+ weeks, no upper age limit |
| Pre-enrollment health questionnaire | ❌ No required health questionnaire | ❌ No required health questionnaire | ❌ | ❌ |
| Waiting period (illness) | N/A | 14 days | N/A | N/A |
| Waiting period (accident) | 14 days | 14 days | N/A | N/A |
| Lifetime coverage once subscribed | ✅ | ✅ | ✅ | ✅ |
| Vet consultations (regular + emergency) | ✅ Accident-related only | ✅ Both regular and emergency illness/accident | ❌ | ❌ |
| Medications | ✅ Accident-related prescribed meds | ✅ Prescribed meds for accident or illness | ❌ | ❌ |
| Hospitalization | ✅ Accident-related only | ✅ Covered (accident/illness inpatient care) | ❌ | ❌ |
| Surgery (including anesthesia) | ✅ Accident-related only | ✅ Accident & illness surgeries | ❌ | ❌ |
| Diagnostic tests (X-ray, MRI, labs, etc.) | ✅ Accident-related only | ✅ Both accident & illness diagnostics | ❌ | ❌ |
| Dental care (scaling/procedures) | ❌ Excluded except for extractions from accident | ✅ Dental illness & accident extractions/procedures | $100 dental cleaning cap per year | $150 dental cleaning or spay/neuter cap |
| Preventive care package | ❌ | ❌ | Vaccines, exam, deworming, tests | Vaccines, exam, spay/neuter, labs, tests |
| Alternative medicine | ✅ If performed by a veterinarian | ✅ If performed by a veterinarian | ❌ | ❌ |
| Travel coverage (countries/duration) | US, Canada, US terr. — during travel | US, Canada, US terr. — during travel | N/A | N/A |
| Civil liability | ❌ | ❌ | ❌ | ❌ |
| Euthanasia | ✅ Accident-related | ✅ Accident & illness related | ❌ | ❌ |
| Death & cremation coverage | ✅ Accident-related | ✅ Accident & illness related (limits apply) | ❌ | ❌ |
| Theft or loss of pet + search expenses | ❌ | ❌ | ❌ | ❌ |
| Boarding fees (if owner is hospitalized) | ❌ | ❌ | ❌ | ❌ |
Key Features of Preventive Care Plans
Preventive care claims (Gold and Platinum) have annual per-item caps, e.g., $50 wellness exam, $100–$150 dental cleaning or spay/neuter, $20–$25 per vaccine or test.
No network is required—any licensed US or Canadian vet is eligible.
24/7 telehealth/behavior support helpline is included in all plans.
Curable pre-existing conditions may be covered if symptom- and treatment-free for 180 days (does not apply to knees/ligaments).
Exclusion Spots
Spot’s exclusions are broadly in line with the pet insurance industry but remain clearly defined and transparent.
Notable standard exclusions include pre-existing conditions (with an exception for certain curable conditions), waiting periods, elective, cosmetic, or experimental procedures, and treatments carried out by anyone other than a licensed veterinarian.
Spot does not cover dental cleanings outside of accidents/illnesses or unless the wellness add-on is purchased, nor does it cover breeding, pregnancy, or preventive care without an endorsement.
Ligament and knee conditions are permanently excluded if diagnosed prior to, or during, the waiting period—a stricter application than many competitors.
Expenses related to boarding, grooming, supplies, intentional misconduct, pandemics, and certain hereditary conditions with symptoms prior to enrollment are also excluded.
| Exclusions | Details |
|---|---|
| Medical exclusions | - Pre-existing conditions (unless cured and symptom-free for 180+ days; knees/ligaments always excluded) - Conditions during a waiting period - Dental cleanings (except for illness/accident or wellness add-on) - Breeding, pregnancy, whelping, nursing - Organ/heart valve transplants - Preventive or maintenance care (unless via endorsement) - Supplements/vitamins for prevention/maintenance - Prescription foods not for covered conditions - Experimental/investigational treatments - Memorial, funeral, urn, casket, burial, or plot expenses |
| Provider and service exclusions | - Non-veterinary services or treatment by non-licensed providers - Training, training devices, non-veterinary services - House call/travel fees |
| Cosmetic/procedure exclusions | - Cosmetic/elective/endodontic/orthodontic dental work (caps, crowns, fillings, implants, root canals) - Cosmetic/elective prostheses or procedures (declawing, tail docking, ear cropping) |
| Behavioral and intentional exclusions | - Malicious, intentional, grossly negligent, or non-standard care by owner/household/caregiver - Policyholder/family self-treatment |
| Geographic and event exclusions | - Care outside US/Canada (other than during covered travel) - War, epidemic, pandemic, government orders, bio/nuclear/chemical acts, terrorism, civil unrest, racing, fighting, law enforcement activities |
| Identification/support exclusions | - Boarding, grooming, toys, leashes, bedding, and non-medical supplies |
- Conditions during a waiting period
- Dental cleanings (except for illness/accident or wellness add-on)
- Breeding, pregnancy, whelping, nursing
- Organ/heart valve transplants
- Preventive or maintenance care (unless via endorsement)
- Supplements/vitamins for prevention/maintenance
- Prescription foods not for covered conditions
- Experimental/investigational treatments
- Memorial, funeral, urn, casket, burial, or plot expenses
- Training, training devices, non-veterinary services
- House call/travel fees
- Cosmetic/elective prostheses or procedures (declawing, tail docking, ear cropping)
- Policyholder/family self-treatment
- War, epidemic, pandemic, government orders, bio/nuclear/chemical acts, terrorism, civil unrest, racing, fighting, law enforcement activities
Spot Prices
Spot occupies a mid-range to slightly competitive pricing position in the US pet insurance market, reflecting its high flexibility with customizable annual limits, deductible levels, and reimbursement rates up to 90%.
The brand’s offer is comprehensive (including accident, illness, hereditary and chronic conditions, behavioral issues, and access to any licensed US/Canadian vet) without requiring a vet exam at sign-up or imposing an upper age limit—features typically associated with more expensive or premium insurers.
Spot's pure digital approach helps keep administrative costs low, which is reflected in a generally affordable premium relative to the scope of coverage provided.
Plans start around $9 per month for cats and $15 per month for dogs, putting Spot’s entry-level costs below average, but premiums increase based on pet age, breed, and chosen coverage options.
Overall, Spot achieves a balanced positioning: it is not the absolute least expensive, but for pet owners seeking robust coverage and rapid claims in a digital format, its pricing is highly competitive for the market segment.
| Accident-Only Plan | Accident & Illness Plan | |
|---|---|---|
| Young cat (2–4 years) | $9–$13/month | $18–$23/month |
| Senior cat (7–8 years) | $13–$18/month | $28–$33/month |
| Small breed dog | $15–$20/month | $28–$35/month |
| Small breed dog (2–4 years) | $15–$18/month | $28–$32/month |
| Large breed dog (2–4 years) | $17–$23/month | $35–$45/month |
| Senior dog (7–8 years) | $23–$32/month | $52–$68/month |
Check your pet’s details and compare Spot’s plans to find the best value for your budget.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Promo Codes Spot
| Spot Promo Codes | Details |
|---|---|
| Multi-pet discount | 10% off each added pet (except HI, TN) |
| Employee discount | Up to 20% off (where available) |
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
Spot reimbursement amounts
Reimbursements with Spot are simple: after you pay the vet directly, submit your claim online or via the app, and Spot will reimburse you based on your chosen deductible and reimbursement rate up to your annual limit.
Fractured Leg Treatment Reimbursement Example
Total veterinary cost: $2,500 (x-rays, surgery, hospitalization)
Annual deductible: $100 (already used earlier this year)
Reimbursement rate: 90%
Calculation: $2,500 × 90% = $2,250 reimbursed
👉 You receive $2,250 from Spot, with $250 as your out-of-pocket expense.
ℹ️ The deductible applies only once per year—future claims are not affected until the next policy period.
Cancer diagnosis and chemotherapy reimbursement example
Total veterinary cost: $4,800 (exams, ultrasound, chemotherapy)
Annual deductible: $0 remaining (already satisfied earlier in the year)
Reimbursement rate: 90%
Calculation: $4,800 × 90% = $4,320 reimbursed
👉 You receive $4,320 from Spot; your out-of-pocket cost is $480.
ℹ️ Your annual policy limit applies; check your cap if ongoing treatments are needed.
Annual preventive care visit (Wellness coverage with Platinum Preventive add-on)
Total vet cost for dental cleaning and wellness exam: $220
Maximum annual reimbursement: $150 (dental cleaning) + $50 (wellness exam) = $200
Deductible: Does not apply to wellness/preventive care
Reimbursed amount: $200
👉 You receive $200 from Spot; your remaining cost is $20.
ℹ️ Preventive care reimbursements are subject to per-service annual caps (e.g. $150 for dental, $50 for exam with Platinum); these do not reduce your illness/accident coverage.
Assistance Spot
Spot does not offer an advance payment service—policyholders must pay the vet directly and claim reimbursement afterward.
Payment options are not clearly detailed, so clients should expect standard monthly payments with no mention of fee-free installment plans.
The Spot mobile app is available for both iOS and Android, highly rated by users, and supports claims submission, coverage tracking, and plan management.
Reimbursements can be requested entirely online or via the app, making the claims process quick and paperless.
There is no 24/7 emergency vet helpline or teleconsultation included, and Spot does not operate a vetted partner clinic network; however, coverage extends to any licensed vet in the US, its territories, and Canada for up to 3 months when traveling.
| Assistance Spot | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment service; policyholders pay the vet and seek reimbursement from Spot. |
| Payment facilities | N.C. | N.C. |
| Mobile app | ✅ | Available for iOS and Android. Supports claims submission and coverage management. User ratings are high. |
| Paperless claims process | ✅ | Claims submitted digitally via app or web. No physical paperwork required. Most claims processed swiftly. |
| Emergency vet service | ❌ | No 24/7 emergency vet helpline or teleconsultation provided. |
| Vet/clinic partner network | ❌ | No preferred vet network. You may use any licensed US or Canadian veterinarian. |
| Coverage abroad | ✅ | Covers care in US, Puerto Rico, Guam, US Virgin Islands, Canada Maximum of 3 months per trip. |
Supports claims submission and coverage management.
User ratings are high.
No physical paperwork required.
Most claims processed swiftly.
You may use any licensed US or Canadian veterinarian.
Maximum of 3 months per trip.
Customer Reviews of Spot
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.7 / 5 (8,249 reviews) |
| N.C. | N.C. |
| N.C. | N.C. |
We analyzed reviews from the sites listed above. On the positive side, customers who subscribed to Spot for their pets often mention:
- ✅ An efficient and friendly customer service: representatives are described as helpful and knowledgeable, with responsive follow-up.
- ✅ Fast and easy claims process: claims are frequently processed in just a few days, and the process via app or online is user-friendly.
- ✅ Reliable coverage: policyholders appreciate coverage that often meets or exceeds expectations, bringing peace of mind for unexpected vet bills.
- ✅ Extensive choice of any licensed vet: pet owners value the ability to visit any reputable clinic without network restrictions.
- ✅ Routine care add-ons: users highlight the flexibility to include wellness benefits and preventive care through add-ons in higher tiers.
On the negative side:
- A number of claims are denied due to pre-existing conditions, sometimes even when not clearly documented.
- Some users report issues with claim submission, including missing or lost documentation and the need to resubmit forms.
- Premiums can increase as the pet ages, with some finding the price rises faster than expected.
- Out-of-pocket expenses can still be high for some treatments, especially in lower-tier plans or after annual limits are reached.
- A lack of direct vet payment option may be inconvenient for those who wish to avoid upfront costs.
Contacting Spot: A Comprehensive Guide
| Spot Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Submit your claim via the Spot Pet Insurance app, online portal, or by fax. Required documents: completed claim form, detailed invoice from your vet, and medical records if requested. For assistance or to check status, contact customer service at 1-800-905-1595 or email [email protected]. Most claims are processed within 2 days and paid by direct deposit or check. |
| To obtain a certificate of insurance | Request a certificate by contacting Spot at 1-800-905-1595 or emailing [email protected]. You may also request documentation via your online account or the app. |
| To contact assistance | For general assistance, call 1-800-905-1595 or email [email protected]. No dedicated 24/7 emergency hotline or veterinary teleconsultation service is available. You can also write to Spot Pet Insurance, 1208 Massillon Rd, Suite G200, Akron, OH 44306. |
| To cancel my policy | Call 1-800-905-1595 or email [email protected] with your policy number and desired cancellation date. Written notice is recommended; provide your name, address, and pet details for identity verification. There is no set notice period—cancellations take effect immediately unless otherwise requested. Pro rata refund is provided for unused premium. |
Required documents: completed claim form, detailed invoice from your vet, and medical records if requested.
For assistance or to check status, contact customer service at 1-800-905-1595 or email [email protected].
Most claims are processed within 2 days and paid by direct deposit or check.
You may also request documentation via your online account or the app.
No dedicated 24/7 emergency hotline or veterinary teleconsultation service is available.
You can also write to Spot Pet Insurance, 1208 Massillon Rd, Suite G200, Akron, OH 44306.
Written notice is recommended; provide your name, address, and pet details for identity verification.
There is no set notice period—cancellations take effect immediately unless otherwise requested.
Pro rata refund is provided for unused premium.
FAQ
Do I have to pay upfront for veterinary fees with Spot?
Yes, you must pay your veterinary bill out of pocket at the time of your pet's care. Spot does not offer direct or advance payment to clinics—after your visit, you submit a claim to Spot for reimbursement. Claims are usually processed quickly, with refunds sent via direct deposit or check. Remember to keep all receipts and detailed invoices for your submission.
How do I cancel my pet insurance policy with Spot?
You may cancel your Spot policy at any time by calling 1-800-905-1595 or emailing [email protected]. Provide your policy number and pet details for identification; written notice is recommended but not required. There is no mandatory notice period, and cancellation is effective upon request. Any unused premium is refunded on a pro rata basis if no claims have been made for that period.
What does Spot pet insurance cover and exclude?
Spot covers unexpected accidents and illnesses for cats and dogs, including diagnostics, treatments, surgeries, prescription medications, and some behavioral issues when recommended by a vet. Preventive and wellness care—such as vaccines and dental cleanings—are only covered if you choose an optional add-on. Pre-existing conditions, breeding, cosmetic treatments, and most routine care are excluded. Each policy details the limits and specific coverage for your chosen plan.
How do I file a claim and how fast will I be reimbursed?
You can file a claim using the Spot app, online portal, or by fax. Provide a completed claim form, itemized invoice from your vet, and medical records if requested. Most claims are processed within 2 business days, with reimbursement sent by direct deposit or check. You have up to 270 days from the treatment date to submit your claim.
Can I choose any veterinarian with Spot?
Yes, Spot insurance lets you visit any licensed veterinarian, specialist, or emergency clinic in the United States, its territories, or Canada. There are no networks or preferred providers, so you're free to select the vet you trust most. Coverage abroad is available during trips of up to 3 months in the listed covered territories.
Does Spot cover preventive and routine care?
Preventive and routine care, such as vaccinations, wellness exams, and dental cleanings, are only included if you purchase a Gold or Platinum Preventive Care endorsement. These add-ons reimburse certain routine expenses up to fixed annual limits for each covered service. Without an endorsement, standard Spot plans do not cover routine or preventive services. Always review your policy documents to understand your specific coverage.
Do I have to pay upfront for veterinary fees with Spot?
Yes, you must pay your veterinary bill out of pocket at the time of your pet's care. Spot does not offer direct or advance payment to clinics—after your visit, you submit a claim to Spot for reimbursement. Claims are usually processed quickly, with refunds sent via direct deposit or check. Remember to keep all receipts and detailed invoices for your submission.
How do I cancel my pet insurance policy with Spot?
You may cancel your Spot policy at any time by calling 1-800-905-1595 or emailing [email protected]. Provide your policy number and pet details for identification; written notice is recommended but not required. There is no mandatory notice period, and cancellation is effective upon request. Any unused premium is refunded on a pro rata basis if no claims have been made for that period.
What does Spot pet insurance cover and exclude?
Spot covers unexpected accidents and illnesses for cats and dogs, including diagnostics, treatments, surgeries, prescription medications, and some behavioral issues when recommended by a vet. Preventive and wellness care—such as vaccines and dental cleanings—are only covered if you choose an optional add-on. Pre-existing conditions, breeding, cosmetic treatments, and most routine care are excluded. Each policy details the limits and specific coverage for your chosen plan.
How do I file a claim and how fast will I be reimbursed?
You can file a claim using the Spot app, online portal, or by fax. Provide a completed claim form, itemized invoice from your vet, and medical records if requested. Most claims are processed within 2 business days, with reimbursement sent by direct deposit or check. You have up to 270 days from the treatment date to submit your claim.
Can I choose any veterinarian with Spot?
Yes, Spot insurance lets you visit any licensed veterinarian, specialist, or emergency clinic in the United States, its territories, or Canada. There are no networks or preferred providers, so you're free to select the vet you trust most. Coverage abroad is available during trips of up to 3 months in the listed covered territories.
Does Spot cover preventive and routine care?
Preventive and routine care, such as vaccinations, wellness exams, and dental cleanings, are only included if you purchase a Gold or Platinum Preventive Care endorsement. These add-ons reimburse certain routine expenses up to fixed annual limits for each covered service. Without an endorsement, standard Spot plans do not cover routine or preventive services. Always review your policy documents to understand your specific coverage.
