Spot Pet Insurance Review and Prices

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Florida-based Spot Pet Insurance sells pet insurance policies underwritten by the United States Fire Insurance Company and issued by the Crum & Forster Insurance Agency. Crum & Forster, of which the United State Fire Insurance Company is a part, processes the pet insurance claims as well as handles the billing and customer service. C&F is also affiliated with other pet insurance brands, such as Pumpkin and ASPCA Pet Health Insurance.

Pros:

  • Choice of accident and illness policies or accident-only plans

  • Unlimited coverage option

  • Exam fees related to accident/illness reimbursed

  • Discounts for additional pets

Cons:

  • Basic plans don’t cover wellness exams

  • Coverage for cats and dogs only

Spot offers coverages for cats and dogs for either accident-only policies or accident and illness policies. These policies come with an annual deductible and annual coverage limits. When selecting your coverage, you are given options ranging from $2,500 to $10,000 and an unlimited annual coverage option.

In addition, the basic insurance package not only covers prescriptions and major procedures like surgeries but also the exam visits required to diagnose and determine a treatment plan for an ill or ailing pet. Also covered are rehabilitative and alternative therapies, like chiropractic treatments and hydrotherapy, for covered conditions.

While Spot’s basic plans don’t cover wellness exams, the company does offer two different preventive care packages – Gold Preventive Care and Platinum Preventive Care – that will provide some cover for vet visits and routine care, such as vaccinations or dental cleanings. The preventative care options from Spot come with annual itemized coverage limits. For example, under the Gold Preventative Care add-on, you would have up to $100 in coverage for dental cleanings.

Spot also offers a discount for pet parents who insure more than one pet.

Bottom Line:

Spot pet insurance offers policies that cover only accidents as well as an accident plus illness coverage option. Spot also reimburses for vet exam fees related to those illnesses and accidents. For pet owners interested in insurance packages that cover preventive care, Spot offers two care package options to support the cost of routine wellness care.

Spot offers two types of plans for cats and dogs. Its Accidents and Illness policy will cover things like hospitalization, surgery, prescription medications, poison control consultation fees, and medical supplies associated with the veterinary exam and treatment of accidents and illnesses. Also included is coverage for alternative therapies like acupuncture, hydrotherapy, chiropractic treatment, and low-level laser treatments as well as treatment for behavioral issues.

Some examples of covered accidents provided by the company’s website include broken bones, bites, cuts, or if your pet ate something it shouldn’t. Examples of illnesses that would only be covered in the Accident & Illness plan are cancer, thyroid disease, respiratory infections, and immunotherapy viruses.

While Spot covers exam fees related to accidents and illness routine wellness exams are not covered. Those looking for annual wellness exam coverage can purchase, at an additional fee, a preventive care package that comes in two levels: Gold and Platinum.

Both levels cover wellness exams, dental cleanings, fecal tests, and deworming. Gold, which covers up to $250 in annual wellness costs, preventive care does not cover blood tests and flea/heartworm prevention. Platinum, which provides up to $450 in wellness costs, covers those two items as well as urinalysis and canine Bordetella or feline FELV vaccines. Coverage limits are both by policy year and procedure.

Those families whose pets have curable chronic conditions can become eligible for preventive pet coverage options once their dog or cat has been treated and is symptom-free for 180 days. There is no coverage for pre-existing conditions or daycare/boarding.

For our sample policy, if you have a one-year-old female mixed-breed dog, live in Texas, and have chosen a plan with a $500 annual deductible, $5,000 annual benefit limit, and 90% reimbursement rate, you will pay $36.54 a month. For a domestic shorthair male cat that’s under a year old, the same policy would be $16.51 a month.

Spot Pet Insurance prices vary based on the coverage options that pet parents choose. Some factors that depend on some of the following factors:

  • Age of your animal
  • Whether you have a cat or dog
  • Breed
  • Where you live
  • Any discounts you may qualify for

Other factors will be determined by what you choose when signing up. These include:

  • Type of policy
  • Amount of coverage
  • Reimbursement percentage
  • Annual deductible
  • Whether or not you select a preventative care rider

Pet Insurance Cost Comparison

COMPANY

SAMPLE MONTHLY COST FOR DOGS

SAMPLE MONTHLY COST FOR CATS

LEARN MORE

Spot »

$36.54$16.51Get A Quote »
Lemonade »

$19.44$11.00Get A Quote »
Trupanion »

$70.12*$30.88*Get A Quote »
Embrace »

$29.71$12.22Get A Quote »
Healthy Paws »

$26.89$11.93Get A Quote »
Pets Best »

$44.37**$16.54**Get A Quote »
Nationwide »

$56.74***$28.15***Get A Quote »
ASPCA Pet Health Insurance »

$36.54$20.17Get A Quote »
Figo »

$31.34$18.18Get A Quote »
Fetch by The Dodo »

$35.25$20.16Get A Quote »
* Any rates listed are for illustrative purposes only. You should contact the insurance company or insurance agent directly for applicable quotes. * Monthly costs are for a 1-year-old female mixed-breed dog and a male domestic shorthair cat less than a year old, respectively, in excellent health residing in Texas, with a $500 annual deductible, $5,000 annual benefit limit, and 90% reimbursement rate. * Trupanion's deductible is per incident throughout lifetime, whereas other companies use an annual deductible. Trupanion also has no benefit limit. ** Healthy Paws has no benefit limit. *** Nationwide differs from our standard archetype by having a $250 deductible and $10,000 annual benefit limit.

The prices below are for monthly premiums.

 

How do I buy pet insurance from Spot?

To buy pet insurance from Spot, go to the company’s website, click on the ‘Free Quote’ or ‘Get a Quote’ buttons, and fill in the answers to a few questions. You’ll need to provide general information, such as whether you are insuring a dog or a cat and your pet’s age, gender, and breed.

Spot will insure kittens and puppies that are at least 8 weeks old. It doesn’t have an upper age limit for mature pets. As part of your quote request, you’ll have the option of adding information about additional pets for whom you’re seeking coverage. Spot will ask for your ZIP code and email as well. Once you’ve received your quote, you are not obligated to purchase insurance.

Is there a waiting period for a Spot policy?

Spot has a 14-day waiting period across the board for all cats and dogs no matter where you live. Unlike some other insurers, Spot’s waiting period does not differentiate by condition or age. Plus, while some other insurers have 6- to 12-month waiting periods for pets with hip dysplasia or cruciate ligaments, with Spot, the waiting period doesn’t veer from its 14-day promise.

COMPANY

ACCIDENT

ILLNESS

HIP DYSPLASIA

CRUCIATE LIGAMENTS

Spot »

14 days14 days14 days14 days
Lemonade »

2 days14 days6 months6 months
Trupanion »

5 days30 days30 days30 days
Embrace »

48 hours14 days6 months6 months
Healthy Paws »

15 days15 days12 months*15 days
Pets Best »

3 days14 days14 days6 months
Nationwide »

14 days14 days14 days**14 days
ASPCA Pet Health Insurance »

14 days14 days14 days14 days
Figo »

3 days14 days1 year1 year
Fetch by The Dodo »

15 Days15 Days15 days15 days

Does Spot offer a wellness plan?

Spot offers two preventative care plans that cover some wellness expenses. The Gold Package costs an additional $9.95/month and the Platinum Package $24.95/month per pet.

Does Spot cover pre-existing conditions?

Like most pet insurers, Spot doesn’t cover pre-existing conditions. That means, if your pet’s accident or illness and the symptoms were present before enrollment or during your waiting period, the condition is considered pre-existing.

A condition isn’t considered pre-existing anymore if it is deemed cured, meaning your pet hasn’t shown any related symptoms for at least 180 days. The exception to this are knee and ligament conditions. If symptoms for those manifested at any point before you signed up or during the waiting period it will always be considered a pre-existing condition.

Does Spot cover spaying?

Spot provides coverage for spaying/neutering in its Platinum Preventive Care add-on. Spaying/neutering isn’t covered by Spot’s basic plans or for those who’ve purchased the Gold Preventive Care package.

Does Spot cover dental cleanings?

Dental cleanings are covered by Spot’s Gold and Platinum Preventive Care riders for either $100 or $150, depending on the rider. Spot’s standard Accidental & Illness and Accident policies, however, won’t cover dental cleanings.

How do I contact Spot’s customer service?

Spot’s customer service phone line is available Monday through Friday from 8 a.m. to 8 p.m. EST. Those unable to call during customer service hours can send an email through a contact form on the website. The company does not offer a chatbot.

Does Spot have any coverage limits?

Spot’s policies have annual coverage limits ranging from $2,500 to $10,000 as well as the option of choosing unlimited annual coverage.

Does Spot have a deductible?

Yes. Spot’s annual deductible can be chosen as part of your elected insurance coverage.

How do I file a claim with Spot?

Claims can be submitted by filling out a form on the website or through Spot’s app by clicking on the claims icon and uploading a picture of your invoice. If Spot requires medical records, they will contact your veterinarian directly. Customers have 270 days from the date of treatment to file a claim.

How long does it take Spot to reimburse a claim?

After you have paid your vet bill and submitted your claim, Spot will send a direct deposit or mail a reimbursement check. If you need to appeal a claim, it could take about 30 days.

How do I cancel a pet insurance policy from Spot?

To cancel a policy, which Spot says you can do at any time, customers are required to contact the company either by phone call or email.

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