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Spot Pet Insurance

Spot Pet Insurance coverage includes a preventive care option, exam fees, microchipping, prescription food and supplements. Plans do not cover things like doggie daycare or boarding, pet diets and treatments not approved by the FDA. All plans come with a 30-day money-back guarantee.


Spot Pet Insurance offers flexible coverage plans and a 30-day money-back guarantee. Like most pet insurance provides, Spot doesn’t cover preexisting conditions. However, accident-only coverage is available.


  • No age or claim limits
  • Money-back guarantee
  • Flexible coverage plans


  • Higher premiums for older pets
  • No coverage for preexisting conditions
Spot Pet Insurance Learn More

How Spot Pet Insurance works

Spot Pet Insurance helps cover the cost of expensive vet bills when your pets are hurt or sick.

It works a lot like human health insurance regarding deductibles, premiums and preexisting conditions. There is also a 14-day waiting period between the day you purchase the coverage and when your pet begins coverage.

Insurance is one of those things that you hope you never have to use but are always thankful for when you do. Here’s how it works if your pet gets hurt or sick:

  1. Take your pet to the licensed vet of your choice.
  2. Get treatment and pay the bill.
  3. Submit your claim on the Spot Pet Insurance website by mail, phone, or fax.
  4. Receive reimbursement for your expenses based on your coverage plan.

What does Spot Pet Insurance cover?

Spot Pet Insurance plans cover a range of illnesses and conditions that your cat or dog may experience in their lifetime. The company offers multiple coverage options, including:

Accident-only coverage
The accident-only policy does not cover any expenses related to illness. Accident-only coverage covers unexpected treatments your pet may need as a result of an accident, including:
  • Alternative therapy
  • End-of-life expenses
  • IV fluids and medications
  • Veterinary treatment and medical supplies
  • MRIs
  • Tooth extractions
  • Poison control consultations
  • Prescription medicine and supplements
  • Surgery and hospitalization
  • Stem cell therapy
Accident and illness coverage
Spot Pet Insurance’s accident and illness coverage, also called Spot-On Coverage, is a more comprehensive option that covers everything on the accident-only plan plus expenses related to the diagnosis and treatment of illnesses. Spot-On Coverage also covers the cost of microchipping your pet. This plan does not include expenses like breeding and pregnancy costs, boarding, grooming or other elective or cosmetic services.
Coverage exclusions
Before choosing an insurance plan for your pet, it’s crucial to understand what’s not covered so there aren’t any misunderstandings. Some of the most common coverage exclusions include:
  • Preexisting conditions
  • Aesthetic dental services
  • Conditions occurring within the policy waiting period
  • Grooming and nonmedical supplies
  • Non-FDA treatment or supplements
  • Pet diets
  • Daycare or boarding

How much does Spot Pet Insurance cost?

The monthly cost of Spot Pet Insurance depends on your location and the coverage options you select. You can get a free Spot Pet Insurance quote on its website and customize your deductibles, premiums and reimbursement percentages. The premium is based on your pet's age, breed and where your pet lives.

Using the website’s free quote tool, we found that accident and illness coverage with 80% reimbursement and a $5,000 annual limit for a 2-year-old Cairn Terrier mix ranged from around $20 to $40 each month, depending on the deductible. Accident-only coverage with the same reimbursement and annual limit ranged from $15 to $20 a month.

Spot Pet Insurance FAQ

Do all vets accept Spot Pet Insurance?
Yes. Pet health insurance is much simpler than human health insurance, which usually requires you to check with a doctor to ensure they accept your insurance. You can use Spot Pet Insurance at any licensed veterinary office.
Does Spot Pet Insurance cover emergency visits?
Yes. Spot Pet Insurance covers emergency visits.
How do you get Spot Pet Insurance?
You can get Spot Pet Insurance anytime in four steps:
  1. Choose the plan and coverage options that make the most sense for your pet.
  2. Determine all of your pet’s preexisting conditions.
  3. Gather all available medical records and treatment history from your veterinarian.
  4. Purchase the plan. There is a 14-day waiting period between the day you purchase the coverage and when your pet begins coverage.

Is Spot Pet Insurance worth it?

Yes, Spot Pet Insurance is worth it. If you’ve ever been hit with unexpected vet bills before, you know how expensive they can be. Spot Pet Insurance offers comprehensive coverage options so you can always take good care of your pet without breaking the bank. Spot Pet Insurance allows you to invest a little each month and offers reassurance that if your pet gets hurt or sick, you can take care of them without worrying about being overwhelmed with bills.

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Spot Pet Insurance Company Information

Company Name:
Spot Pet Insurance
West Palm Beach