Spot pet insurance review
A quote from Lemonade, if you want one today
Lemonade is an alternative we can send you to. It is not a Spot enrollment link, and it is not a ranking of Lemonade over Spot. As of October 2, 2026, Lemonade Pet is not yet available in Alaska, Idaho, Kansas, South Dakota, Vermont, West Virginia, or Wyoming.
Get a quote from LemonadeSpot pet insurance scores 8.3/10 for dogs and 8.2/10 for cats in our rankings. It has the widest menu of annual caps we review, from $2,500 to unlimited, which also makes it the easiest plan to under-buy. There is no separate orthopedic wait. The standard 14-day illness period applies.
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.
Not sure Spot is the right fit?
The Advisor ranks all eight reviewed plans from nine questions. The Advisor is not a quote form.
Start the AdvisorA quote from Lemonade, if you want one today
Lemonade is an alternative we can send you to. It is not a Spot enrollment link, and it is not a ranking of Lemonade over Spot. As of October 2, 2026, Lemonade Pet is not yet available in Alaska, Idaho, Kansas, South Dakota, Vermont, West Virginia, or Wyoming.
Get a quote from LemonadeThe exclusions cheat sheet
A plain-English guide to waiting periods and key exclusions across eight insurers, with links to the full reviews.
Questions about Spot
See our methodology for how scores are set.