Pet Insurance Blog

Is Spot Pet Insurance Good? Here's How It Stacks Up

Kari Steer, Licensed P&C Insurance Agent at Pawlicy Advisor
Kari Steere
Licensed Insurance Producer - Pawlicy Advisor
professional trainer walks dog pack on leash

Spot Pet Insurance is a relative newcomer in the industry. The company, endorsed by Cesar Millan - the Dog Whisperer, launched it's pet insurance policies and wellness plans in 2019. What did they bring to the table, and is it the right choice for your four-legged friend?

Compare Top Providers Side-by-Side

Use Pawlicy Advisor's pet insurance comparison tool to see real quotes from pet insurance companies at the lowest guaranteed rate.

100% free to use. No fees. No commitment.

Keep reading to learn more in our Spot pet insurance review. We'll break down this provider's policies, pricing, customer service, wait times, and more to help you make a confident decision.

Table of Contents

What’s the word on Spot Pet Insurance?

Founded in 2019, Spot is relatively new in the pet insurance space. The company partnered with the famous dog trainer, Cesar Millan, to help educate pet owners on the benefits of pet insurance. By requesting a free quote online, customers can also get a free training manual created by the Dog Whisperer.

Spot’s insurance policies are underwritten by the Crum & Forster Group, a company who has received an A-rating from AM Best and has experience in the industry since 2006.

Spot Pet Insurance review

Spot Pet Insurance offers an Accident & Illness Policy and an Accident-Only Policy.

  • The Accidents & Illness Policy allows customers to customize the reimbursement amount, annual limit, and deductible. It covers various incidents and conditions, such as heart disease, behavioral issues, dental disease, hip dysplasia, cancer, diabetes, respiratory infection, and more.
  • The Accident-Only Policy covers costs exclusively related to injuries and accidents, such as bite wounds, foreign object ingestion, torn ligaments, broken bones, and so on. This plan also covers the cost of dog microchipping.

Spot Pet Insurance also offers optional pet wellness plans: Platinum Preventative Care and Gold Preventative Care. These plans differ in price points and benefits, but both cover preventive veterinary services such as:


Like most insurers, Spot Pet Insurance doesn’t offer pet insurance for pre-existing conditions. However, the company does cover conditions that exist at the time of enrollment if the pet is are considered cured, meaning they are symptom-free and treatment-free for 180 days. This rule does not apply to knee and ligament conditions.

Other exclusions in Spot’s policies include grooming, boarding, elective procedures, cosmetic procedures, breeding, anal gland expression, herbal products, and funeral services.


When it comes to Spot’s pet insurance cost, customers can choose between several different options on the Accident & Illness plan:

  • 3 reimbursement rates
  • 5 deductible amounts
  • 6 annual limits

By selecting one of each, you have the flexibility to set a price that suits your budget. However, the cost of annual premiums are always based on the pet’s breed, location, and age.

In terms of wellness add-ons, the Gold Preventive Care Plan is quite affordable with a flat monthly rate of $9.95, whereas the Platinum Preventive Care Plan is $24.95 a month.


Spot offers a 10% discount if your employer offers its pet insurance as an employee benefit, as well as a 10% discount for each additional pet insured.

Reimbursement times

Customers can submit a claim and invoice via email or through the Spot’s mobile app 270 days from the date of treatment. Claim reimbursement averages between ten and 14 days. The status of the claims can be checked through a personalized claims portal.

What we like about this coverage

Spot has several features that can’t be found in most other pet insurance providers.

  • It can be hard to find pet insurance for older pets, but Spot doesn’t have an upper age limit and will insure any pet that is eight weeks or older.
  • There are is no payout limit per incident or maximum lifetime caps.
  • Spot covers vet visits and exam fees. Pet parents can use any licensed veterinarian in the U.S., including veterinary specialists and emergency care clinics.
  • They also cover alternative therapies, such as acupuncture, physiotherapy, hydrotherapy, chiropractic care, low-level laser therapy, and rehabilitative therapy, as well as prescription food and supplements.
  • Your four-legged friend is covered when they travel with you in the States, Canada, Puerto Rico, and other U.S. territories.
  • The company’s website has a number of helpful resources for pet parents, as well as a tool that shows average vet bill costs related to various treatments and procedures, along with how much your selected Spot pet insurance plan would cover.
  • The company offers a 30-day money-back guarantee if you’re not satisfied with their plan for any reason.

What could be improved

Spot’s plans with the unlimited coverage option are somewhat more expensive than the plans without this option.

The mandatory waiting period for accidental claims is 14 days, which is longer compared to some other insurance providers. For instance, AKC Pet Insurance requires a waiting period of only two days before customers can file a claim for an accident.

If your pet had a knee injury before signing up for pet insurance or during the waiting period, Spot won’t cover the second leg in case of an injury as it is considered a bilateral condition.

Is Spot Pet Insurance worth it?

If you’re wondering if pet insurance is worth it, or you’re not sure if Spot is the best pet insurance provider for your needs, Pawlicy Advisor makes it easy to compare plans and find the best value. Check out our pet insurance comparison charts or read through additional pet insurance reviews to learn more.

You can also receive a custom quote for the best available plans, at the lowest possible price, with one search at Pawlicy Advisor.

Get expert guidance to help you find the best policy for your best friend.

Do you want to find the best pet insurance?

Let's analyze your pet's breed, age, and location to find the right coverage and the best savings. Ready?

Analyze My Pet

About Pawlicy Advisor

The pet insurance marketplace endorsed by veterinarians, at Pawlicy Advisor we make buying the best pet insurance easier. By comparing personalized coverage and pricing differences we can save you a ton of money, up to 83% in some instances!

Pawlicy Advisor helping a pet parent and their dog find a great deal on insurance

Instantly Compare Pet Insurance Plans

Get Quotes


How Pet Insurance Works

How To Compare Plans

Determine If Pet Insurance Is Worth It

Determine If Wellness Plans Are Worth It

Vet Visit Costs

New Puppy Checklist

Comparison Charts

ASPCA vs. Pets Best

Pets Best vs. Embrace

Embrace vs. MetLife

MetLife vs. Figo

More Comparison Charts

Find Your State

New Jersey





New York



More States

Dog Insurance

German Shepherd




English Bulldog

French Bulldog

Great Dane





More Breeds

Kari Steer, Licensed P&C Insurance Agent at Pawlicy Advisor

Kari Steere
Licensed Insurance Producer - Pawlicy Advisor

Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. As an animal lover with a rescued Terrier named Barry, when she's not helping pet owners find the perfect plan on Pawlicy Advisor, she runs a ranch in Oregon and rehabilitates any animals that come across her path.

More you might like

man petting golden retriever
5 minute read

Is USAA Pet Insurance Good?

Dog owner purchasing pet insurance
5 minute read

MetLife Pet Insurance Review

dog waiting for woman on laptop
5 minute read

Pumpkin Pet Insurance Review

beagle happy to get pet insurance
4 minute read

Liberty Mutual Pet Insurance Review

woman on computer next to dog
6 minute read

NAPHIA Director Kristen Lynch On Pet Insurance Market Penetration

Kitten gets scratch under skin
5 minute read

AKC Pet Insurance Review

Woman with Golden Retriever puppy
5 minute read

Embrace Pet Insurance Review

Black and orange cat receives pet
5 minute read

Nationwide Pet Insurance Review

Man holding beagle dog
6 minute read

Geico Pet Insurance Review

Chocolate puppy held by owner
5 minute read

Progressive Pet Insurance Review

Pug puppy and young woman
7 minute read

Is Healthy Paws Pet Insurance Good?

Trupanion pet insurance can pay your veterinarian directly. But is it good pet insurance? Here’s what you need to know.
5 minute read

Is Trupanion's Pet Insurance Good?

Man holding new puppy
10 minute read

When's The Best Time to Get Pet Insurance?

Old Beagle dog sitting next to senior woman
9 minute read

Is Pet Assure Any Good? Here's How It Stacks Up

Woman sitting at desk signing paper with dog on lap
9 minute read

When Is Pet Insurance A Great Decision?

Beagle dog waiting
8 minute read

How Soon Does Pet Insurance Take Effect?

Woman hugging black dog with open mouth
8 minute read

Pet Dental Insurance: How to Find the Best Plan

Pawlicy Advisor Team with Logo
4 minute read

Pawlicy Advisor Raised $6.5M To Help Pet Parents Afford Unexpected Veterinary Treatment

Pet's Best Insurance Review
7 minute read

Pets Best Insurance Review: How Does It Stack Up?

Senior boxer dog
7 minute read

Pet Insurance For Older Pets: Is It Worth It?

walmart storefront
8 minute read

Is Walmart Pet Insurance Good? Here’s How It Stacks Up

banfield pet insurance wellness info and review
9 minute read

Banfield Wellness Plan Info & Review: Everything You Need to Know

wagmo wellness info and review
10 minute read

Is Wagmo Pet Insurance Good? Here's How It Stacks Up

Canine Journal vs. Pawlicy Advisor
10 minute read

Canine Journal vs. Pawlicy Advisor: Which is Best For Pet Insurance

dog looking out window
2 minute read

Three Things to Look for When Comparing Pet Insurance Companies

petinsurancereview vs pawlicy advisor pet insurance
10 minute read

PetInsuranceReview vs. Pawlicy Advisor: Which Is Best For Pet Insurance?

Policygenius vs Pawlicy Advisor pet insurance
10 minute read

Policygenius vs. Pawlicy Advisor: Which is Best for Pet Insurance?

lemonade's pet insurance cats and dogs
9 minute read

Is Lemonade's Pet Insurance Good? Here's How It Stacks Up

Happy dog receives affection from owner
13 minute read

Are Pet Wellness Plans Worth It For Routine Care?

Kitten at a veterinary appointment
13 minute read

Is Cat Insurance Worth It? Ask An Expert

happy pet parent loving on her dog
22 minute read

Fascinating Pet Insurance Statistics 2019-2020

Dog at a veterinary clinic
14 minute read

Is Pet Insurance Worth Getting for Your Dog?

Two dogs running happy and healthy
10 minute read

Pet Insurance for More Than One Pet: Multi-Pet Discounts And Strategies

smiling dog
7 minute read

3 Ways To Use Pet Insurance Like A Pro

rescue dog and cat
14 minute read

Pet Insurance For Rescue Dogs (And Cats) - It's Easier Than You Think

cat and dog together outside
17 minute read

How to Get the Best Pet Insurance Plan, No Matter the Provider

dog with loving pet owner
17 minute read

Average Pet Insurance Cost in 2022 by Breed, Age, & State

pet insurance comparison showcase
17 minute read

How To Compare Pet Insurance Plans

Dog covered from bad weather under Pawlicy umbrella
18 minute read

How Does Pet Insurance Work & What Does It Cover

Puppy Dalmation at a veterinary checkup.
15 minute read

Is Pet Insurance Worth It in 2023? Here’s A Vet’s Perspective

Pet Parent and Happy Dog
3 minute read

New Funding to Transform the Pet Insurance Industry

A well-informed dog reads a magazine.
2 minute read

FAQ: Pet Insurance Simplified

pug with pre-existing condition wrapped in a blanket
7 minute read

Pet Insurance Options for Pre-Existing Conditions

A hard-working professional dog at its desk.
2 minute read

Why HR Managers Should Offer Pet Insurance

why pawlicy advisor is the best pet insurance comparison tool
5 minute read

Why Pawlicy Advisor Is The Best Tool For Buying Pet Insurance

Back to Blog
A family with pets that are insured by Pawlicy Advisor
Pawlicy Advisor is the leading independent marketplace for finding the best coverage for your pet at the lowest rate.
Join 2,438,795+ insured dogs and cats across the US.
Get a Quote
Our pet insurance partners
ASPCA Pet Health Insurance Logo
Pets Best Pet Insurance Logo
Embrace Pet Insurance Logo
MetLife Pet Insurance Logo
Figo Pet Insurance Logo
Prudent Pet Insurance Logo