Spot pet insurance has received a rating of 4.2 out of 5 stars, recognized for its wide range of benefits included in the base plan. The insurer covers treatments such as behavioral therapy and alternative therapies without requiring additional riders, though monthly premiums are above average.
The policy includes many choices for annual coverage limits, ranging from $2,500 to unlimited. Deductible options are $100, $250, $500, $750, or $1,000, with reimbursement choices of 70%, 80%, or 90%. A 10% multi-pet discount is available for customers insuring more than one pet.
Coverage under Spot's accident and illness policy includes veterinary exam fees, diagnostics like X-rays and MRIs, hereditary and congenital conditions, dental accidents and illnesses, behavioral therapy, alternative therapies such as acupuncture, prescription medications, prescription pet food, stem cell therapy, end-of-life care, and microchip implantation. The accident-only plan covers emergency visits, hospitalization, treatment for injuries, surgery, and related diagnostics, but excludes illnesses and preventive care.
Spot offers two preventive care add-ons, Gold and Platinum, which cover routine expenses like dental cleaning, spay/neuter, annual exams, vaccinations, and various tests for an additional monthly fee. The company does not cover preexisting conditions, except for curable conditions that have been symptom-free and treatment-free for at least 180 days. Knee or ligament conditions remain permanently excluded.
Exclusions include routine care without a wellness plan, cosmetic procedures, grooming, herbal treatments, breeding-related care, injuries from neglect or abuse, and travel costs. All policies include access to a 24/7 vet telehealth line.
Policy changes mid-term are subject to underwriting approval and may trigger new waiting periods. Spot does not have an official system for direct vet payments; customers typically pay upfront and submit claims for reimbursement. Claims can be filed online or via the mobile app within 270 days of treatment, with most standard claims processed in five to seven business days.
The Spot mobile app allows users to submit and track claims, access policy documents, view claim history, contact customer support, and use the vet helpline. The app has ratings of 3.4 out of 5 stars on the App Store and 2.7 out of 5 stars on Google Play.
Spot is available in all 50 states and Washington, D.C., and can be used with any veterinarian in the U.S., its territories, or Canada. No veterinary exam is required to enroll. Customer service can be reached at 1-800-905-1595 on weekdays from 8 a.m. to 8 p.m. ET and Saturdays from 9 a.m. to 5 p.m. ET.
Policies can be canceled at any time by contacting the company. A full premium refund is issued if canceled within the first 30 days without a claim; otherwise, a pro-rated refund is provided. The average monthly premium for a policy with a $5,000 annual limit is $92.43, while unlimited coverage averages $185.54 per month.