Spot pet insurance review
Spot scores 8.3/10 in our rankings. For dogs, it's best for custom budgets More limit and deductible combinations than anyone — which also makes it the easiest plan to accidentally under-buy. For cats, it's best for custom budgets Endless limit combinations — easy to under-buy without realising it. Quotes for a healthy one-year-old animal typically start around $38/mo for dogs or $21/mo for cats, but your actual price depends on breed, age, ZIP code and the deductible/reimbursement combination you pick — treat that number as a starting point, not a quote.
Quick facts
- Annual limit
- $2.5k–unlimited
- Deductible
- Annual, $100/$250/$500/$750/$1,000
- Reimbursement options
- 70%, 80% or 90%
- Accident / illness wait
- 14 days (next-day in select states) / 14 days
- Wellness add-on
- Available
What it covers, and what it caps
Annual limit options: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000 or unlimited — the widest menu of caps in this lineup
Deductible: Annual, $100/$250/$500/$750/$1,000
Reimbursement: 70%, 80% or 90%
Wellness / routine care: Yes — optional preventive-care coverage can be added at enrollment or at renewal.
Waiting periods
- Accidents: 14 days (next-day in select states)
- Illness: 14 days
- Orthopedic / cruciate: No separate orthopedic or cruciate wait — the standard 14-day illness period applies
Pre-existing conditions
Not covered, standard exclusion for signs shown before enrollment or during the waiting period.
Who Spot is not for
Owners of a dog that's already had one knee ligament injury — Spot treats both knees as linked, so a prior injury on one side excludes the other side too, even though the initial 14-day wait is shorter than most competitors' orthopedic hold.
Questions about Spot
Some links here are partner links. If you buy through one, the insurer may pay us a fee — it never changes your premium and it never changes a ranking. See our methodology for how scores are set.