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Home > Insurance > Spot Pet Insurance Review 2024: Pros, Cons & Verdict

Spot Pet Insurance Review 2024: Pros, Cons & Verdict

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Spot Pet Insurance does a great job of insuring your pet, and it offers highly customizable plans so you can find the perfect plan for both your pet and your budget. However, keep in mind that as your pet gets older, the premiums that you pay will increase too.

Our Verdict

We give Spot Pet Insurance a rating of 4.4 out of 5 stars.

Spot Pet Insurance Review

  • Extremely customizable plans
  • Optional preventative care plans
  • Accident and Illness and Accident-Only plans
  • Multi-pet discounts
  • Plans do not cover pre-existing conditions
  • Premiums go up as your pet ages

Other Top Rated Pet Insurance Companies

Best Overall
Our rating: 4.6 / 5
Most Customizable
Our rating: 4.4 / 5
Best for Wellness Plans
Our rating: 4.0 / 5

About Spot

When your pet gets sick or hurt, you need to take them to the vet. But while that’s the right thing to do, sometimes the bills you get in response mean you have to make extremely difficult decisions on what to do next.

Spot Pet Insurance means you won’t have to make those difficult decisions with a monetary figure in mind. Instead, you can focus on doing whatever you need to get your pet healthy and happy again.

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Pricing & Plans in 2024

Pet Insurance Cost Comparison

Spot Pet Insurance plans are flexible, so you can find the perfect combination of price and coverage that meets the needs of your pet and your budget.

It’s similar in pricing compared to most other pet insurance plans, but the customization options enable you to keep the price right where you want it or to choose to spend more on the monthly premium to get a higher tier of coverage.

Company Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Learn More
Lemonade $19.44 $11.00 Click to Get Quote
Spot $36.54 $16.51 Click to Get Quote
Trupanion $70.12 $30.88 Click to Get Quote
Fetch by The Dodo $29.70 $12.22 Click to Get Quote
Wagmo $26.89 $11.93 Click to Get Quote

Here’s a summary of the basic things you need to know about Spot Pet Insurance.

Base Policy

When you sign up for Spot Pet Insurance, there are a few things that you should expect. First, unlike many plans that force you to input your email address so it can spam your account if you don’t sign up right away, Spot Insurance gives you a quick and accurate quote without any of your personal information.

Even better, you can customize the coverage to get precisely what you want and see how it’ll affect the price, without any pressure to sign up for a plan on the spot.

When you do sign up, it’s quick and easy. Just know that you’ll have to wait 15 days to use the insurance, but once you’re past that initial period, it’s one of the simplest pet insurance plans to use. Simply go to the vet, get your pet treated, and then submit the receipts for reimbursement!

Here are some quotes for base policies that don’t include any add-ons.

Spot Price Comparison For Dogs

Breed Name 1 Year Old 6 Years Old
Labrador Retriever $32.60 $46.57
Mixed Medium Dog $23.45 $33.50
Miniature Poodle $23.45 $33.50
Border Collie $20.72 $33.50

Deductibles & Claims

Coverage limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, or unlimited
Deductible amounts: $100, $250, $500, $750, or $1,000
Reimbursement rates: 70%, 80%, or 90%

Adjustable Coverage

If you’re in the market for a pet insurance plan, you’re not going to find one with more coverage options than Spot Pet Insurance. You can customize the coverage type, the coverage limits, deductibles, reimbursement rates, and even if you want preventative care.

This puts you in control of your pet’s insurance policy instead of having someone else tell you what you need.


Like every other pet insurance plan out there, Spot Pet Insurance has a few exclusions to help keep its prices down. First, it doesn’t cover preexisting conditions. It won’t cover any health condition that your pet had before you signed up.

Second, it doesn’t cover preventative care with the normal insurance, but it does have a preventative care add-on. Finally, there’s a waiting period after you sign up. You’ll have to wait at least 15 days before you can use the plan.

Multi-pet Discount

If you have more than one pet, you don’t want to get insurance for one and not the other. Spot Pet offers a 10% multi-pet discount on all additional pet insurance plans.

Preventive Care Options

While regular Spot Pet Insurance plans don’t cover preventative care, two optional add-ons do. The first plan is $9.95 a month and covers dental cleanings, wellness exams, deworming, fecal tests, heartworm tests, rabies vaccines, and more.

The second plan is $24.95 a month and covers spaying/neutering, heartworm prevention, blood tests, urinalysis, and other preventative measures that you can’t get with the basic plan.

Coverage Item Gold Preventive Care
Wellness Exam $50
Flea/Heartworm Prevention $0
Fecal Test $20
Bloodwork $0
Vaccines $40
Feline FELV test $20
Urinalysis $0
Dental Cleaning $100
Deworming $20
Total Annual Benefit $250
Coverage Item Platinum Preventive Care
Wellness Exam $50
Flea/Heartworm Prevention $25
Fecal Test $25
Bloodwork $25
Vaccines $75
Feline FELV test $25
Urinalysis $25
Dental Cleaning $150 (also goes towards spay/neutering)
Deworming $25
Total Annual Benefit $450


Before you purchase an insurance plan for your pet, check out these answers to a few of the most frequently asked questions.

What Is the Best Age to Insure Your Pet?

We recommend insuring your pet as early as possible. Premiums are lower at a younger age, and the sooner you get coverage, the less likely you are to deal with any preexisting conditions.

Can You Sign Your Pet Up Whenever You Want?

Yes! Unlike regular medical insurance, pet insurance has no enrollment dates. Simply sign up when you’re ready to start your pet’s coverage.

Do Spot Pet Insurance Plans Cover Burial or Cremation?

Yes! While Spot Pet Insurance won’t cover any memorial items, it completely covers the euthanasia, burial, and cremation expenses that come up at the end of your pet’s life.

Does Spot Raise Its Premiums Each Year?

Yes. While Spot Pet Insurance won’t raise your rates because of any claims, it does raise the premium each year simply because your pet is getting older.

Our Experience With Spot Pet Insurance

While we didn’t sign up our pets for a Spot Pet Insurance plan, those who did seem to be quite happy with the coverage that they’re getting.

They like that they can customize the premiums, deductibles, and reimbursement amounts, but they don’t like how much the premiums can increase each year. While the plans start out affordable when your pet is younger, once they reach an advanced age, the premiums can go from under $20 a month to well over $200 or even $300 each month.

It feels like the insurance company is trying to kick you off the plans through higher rates right when you need it most. However, the plans themselves are easy to use, and when you need to file for a reimbursement, Spot Pet Insurance makes it quick to file and get your reimbursement.

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Don’t wait until it’s too late to get coverage for your pet. It’s easy to cover your pet with Spot Pet Insurance, no matter what financial position you’re in. You can always opt for a lower-priced plan now and change it later if you’re not getting the coverage that you need!

What’s most important is that you sign up sooner rather than later so you don’t have to worry about any preexisting conditions cropping up and preventing you from getting adequate coverage for your pet.

  • Pet Keen acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.
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