Site rating: 5 stars out of 4.4
Best for: Coverage
Spot earns one of our highest ratings thanks to the broad benefits built into the basic plan. Although some pet insurers charge additional fees for coverage of treatments such as behavioral or alternative therapy, spots include expectations.
Monthly premiums are above average, but if you want a pet insurance policy that doesn’t lower the corners within coverage, it’s worth mentioning.
learn more: How does pet insurance work? A complete guide.
advantage
Many options for annual coverage
If there is no symptoms or treatment within 180 days (except ligament and knee conditions), the spots will cover curable pre-existing diseases.
There is no special waiting period rule under certain conditions
Covering behavioral and alternative therapies
Covering microchip
Generous 270 days to file a claim after treatment date
shortcoming
When you purchase pet insurance, please pay attention to the following details:
Basic knowledge of on-site pet insurance
Annual maximum options: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, unlimited
Deductible options: $100, $250, $500, $750, $1,000
Reimbursement options: 70%, 80%, 90%
Multiple discount: 10%
On-site waiting time
For accident coverage: 14 days
Disease coverage: 14 days
Special waiting period: None
Spot age limit for new purchase policies
Minimum pet age: 8 weeks
Maximum pet age: None
Spot has a standard accident and disease plan, accident-only plan, and two health plans. Its accident and disease policy is one of the most powerful coverage on the market without you adding a bunch of riders.
Coverage according to site policy includes:
Veterinary Exam Free
Exams and diagnosis such as X-rays, CT scans and MRIS
Genetic and congenital conditions
Dental accidents and diseases such as periodontal disease and tooth extraction
Behavioral therapy for issues like aggressiveness, separation anxiety and excessive licking when prescribed by a veterinarian or animal behaviorist
Alternative therapies such as acupuncture, hydrotherapy and chiropractic
Prescription medicines and pet foods or supplements for treatment covered conditions
Stem cell therapy
Hospice, including euthanasia and related costs
Microchip implantation through veterinary
learn more: What does pet insurance cover?
If you don't need disease coverage, Spot offers an accident-only plan that can help you with sudden veterinary bills related to accidental injuries.
Coverage usually includes:
Emergency veterinary visits and hospitalizations after the accident
Treatment for bone fractures, wounds, swallowing objects or toxic ingestion.
Accident-related surgery, medical supplies and prescription medications
X-rays, MRI, CT scans and other diagnostic tests
Veterinary examination fee
Microchip implantation
The program does not cover any disease, preventive health care or chronic diseases. It targets active pet or pet parents who are mostly concerned about traumatic events such as waterfalls, car accidents, or surprise injuries in outdoor adventures.
The policy’s waiting period is the same as the on-site accident and disease plan and can be used for cats and dogs.
Spot offers two preventive care add-ons - Gold and Platinum - you can charge any one of the basic plans for an additional monthly fee. These help pay for regular care.
Depending on the layer you choose, coverage may include:
Health Exams and Dental Cleaning (up to $50 per service)
Vaccination and titers including rabies, DHLPP and Bordetella
Flea, tickworm and heartworm prevention
Screening and diagnostic tests such as fecal examinations, urine analysis and blood tests
Spay/Neuter Surgery (Platinum Program Only)
Microchip
Coverage is the upper limit for each service, so you need to check Spot's benefit schedule to see the maximum reimbursement for each item. If your veterinarian charges more, the difference will be paid.
learn more: Does pet insurance cover the vaccine?
Like most pet insurance companies, the site does not cover existing conditions, and the attraction is defined as “a disease, illness, injury or change of the health of pets, those diseases, injuries or changes that are effective in coverage or appear during the waiting period.”
However, spots are indeed an important exception: if a preexisting disease is cured and your pet is at least asymptomatic and has no treatment, it can be covered again. This does not apply to knee or ligament conditions, and they will be permanently excluded even if your pet recovers.
Yes, all on-site policies include access to the 24/7 Veterinary Hotline Index. You can always call a veterinary telemedicine specialist, whether you are dealing with a late-night emergency or not sure if your pet’s symptoms are guaranteed to travel to the clinic.
Spot offers excellent wide coverage, but like all pet insurance companies, it does not include certain types of care and situations.
Uncovered content includes:
Pre-existing conditions, including any conditions in which symptoms begin during the effective date of your policy or waiting period
Regular care, preventive services, and vaccination (unless you add a health plan)
Cosmetics or electives such as ear cutting, paw removal or tail docking
Retouching services such as nail trim and ear cleaning
Herbal treatments, CBD products, and most supplements for general health
Dental cleaning (unless it is related to the disease covered by the policy or through the health plan)
Breeding, pregnancy and nursing-related care
Damage caused by neglect, abuse or organized combat
Veterinary costs related to racing, guarding or law enforcement use
Tooth or orthodontic tooth procedures, such as hat, crown, root canal or implant
Travel expenses, home phone calls or non-veterinary services (such as paperwork or membership fees)
You may be able to make policy changes in the interim, but any changes require coverage approval. Depending on the change, it may trigger new enrollment rates, meaning that a new waiting period will apply and pre-existing conditional rules will be reset. Therefore, existing medical problems may be excluded from coverage as new preexisting conditions.
If you are considering making changes, it is best to contact the site to ask how the adjustments affect your specific coverage.
Spot premiums for $5,000 and unlimited annual coverage are above average. However, remember that spot policy includes strong benefits.
The annual average monthly cost of spot is $5,000, with an annual limit of 7% higher than the overall average we evaluated.
learn more: Is pet insurance worth it? How to decide.
For unlimited annual coverage, the spots were 40% higher than the overall average in our analysis.
Yes, Spot offers a 10% discount on multiple PET when you guarantee multiple pets. Some pet insurance companies offer only 5% at all or no discount at all.
Discounts help lower your total cost, but since each pet will follow their own policies, they will have their own deductibles and annual restrictions. For shared deductibles and annual restrictions for up to three pets, check out Metlife’s Pet Insurance Family Plan.
No, there is no official system for direct payment to the veterinarian on site. Like most pet insurance companies, it is often necessary to pay the fee upfront and then file a claim.
That said, if you are facing a very large veterinary bill (such as surgery), it is worth asking ahead of time if the arrangement for direct veterinary payments can be made.
learn more: Pay for pet insurance directly for veterinarians: How does it work?
Submitting a claim on site is simple:
Collect your files. You will need a complete claim form, a veterinary invoice, and a description of the pet's condition and treatment.
Submit your claim. You can file a claim online or through the Spot mobile app.
If necessary, please follow up. Your pet may be asked for additional medical records or proof of identity at the site. If anything is missing, they will ask you to resubmit your claim using the information you need.
The on-site is for you to file a claim 270 days from the date of treatment. This is nearly nine months, and is more than the 90 to 180-day limit for most pet insurance companies.
Most standard claims are processed within five to seven business days, while preventive health claims are usually processed within about two business days, Spot said.
To avoid delays, make sure your claim includes all required documents such as itemized invoices and medical records. If something is missing, you can pause processing until you receive it.
Spot's mobile app allows you to manage policies through your phone. you can:
Submit and track claims
Access your policy documents
View claim history and reimbursement status
Contact Customer Support
Visit the 24/7 Veterinary Hotline
Spot's mobile app rating:
Spot's apps usually get above average or average ratings from users.
learn more: Best Pet Insurance Company in 2025
On-site pet insurance is available in all 50 states as well as in Washington, D.C.
You can use Spot Pet insurance for the expenses incurred in the United States, its territory and Canada. The veterinarian does not need to purchase on-site pet insurance as you will pay the veterinarian and then submit the bill for reimbursement.
no. The site does not require a recent veterinary exam to take coverage. However, if you file a claim, you may be asked to provide past medical records, especially for your first claim.
You can contact Spot's customer support team at 1-800-905-1595. Working hours are from 8 a.m. to 8 p.m. ET and Saturday from 9 a.m. to 5 p.m. ET. You can also contact customer support through the SPOT mobile app.
You can contact the company by phone, email, email or fax to cancel the spot policy at any time. Let them know the date you wish to cancel the effective date.
If you cancel within the first 30 days and have not filed a claim, you will receive a full refund.
If you have filed a claim, or you cancel the claim after 30 days, Spot will issue a refund for any unused premiums you pay.
Amy Danise and Tim Manni edited this article.
We studied the coverage details and prices of 15 pet insurance plans. Then, we weighted the category, each pet insurer found the best pet insurer relative to other pet insurers. This is the factor we merge.
Coverage Type: 40% of the score. We checked the coverage provided by the basic policy without the additional cost of add-ons. This covers alternative therapies, behavioral therapy, dental disease, euthanasia or death fees, exotic pets, genetic and congenital conditions, established status, prescription foods and supplements, veterinary examination fees, and advertising/rewards for lost/sneaky pets.
Average Cost: 30% of the score. We evaluated the cost of $5,000 in five states and evaluated the cost for a mixed dog (1 year old), French Bulldog (5 year old), and Labrador Retriever (8 year old).
Unlimited coverage option: 10% of score. We give points when pet insurers offer unlimited annual limits (or $100,000 limits), which gives pet owners the most powerful financial protection in the event of catastrophic pet medical problems.
Pay directly to the veterinarian: 5% of the score. We have raised points to pet insurance company, which noted on its website that they can accommodate direct veterinary payments.
Special waiting time without special conditions: 5% of the score. We give points when the pet insurer does not have a waiting period for special conditions (such as ligament conditions).
Regular health plan: 5% of the score. In addition to pet insurance, companies that offer regular health plans are also available.
Multi-PET Discount: 5% of the score. We give points when pet insurance companies offer discounts to multiple pets.