Spot's pet insurance scores 4.15 out of 5 for cats and 3.75 out of 5 for dogs in MoneyGeek’s analysis. The company provides excellent customer service, though its premiums are more expensive than competitors, particularly for dogs. Spot’s waiting period for accident coverage is longer than some competitors at 14 days.
Spot Pet Insurance Review
Updated: September 25, 2025
Advertising & Editorial Disclosure
Spot Pet Insurance Review: Key Takeaways
Spot places fourth in affordability for cats and ninth for dogs, with average monthly rates of $23 and $57, respectively.
Spot ranks second nationally in customer experience, maintaining high ratings on Trustpilot and the Better Business Bureau.
Spot ranks eighth nationwide for coverage options, providing two wellness plan add-ons along with standard accident-only and accident and illness policies.
Spot Pet Insurance Ratings
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Pet Type:Dog
| Affordability | 3.71 | 9 |
| Coverage | 2.61 | 8 |
| Customer Experience | 4.58 | 2 |
| Overall Score | 3.75 | 6 |
WHO IS SPOT PET INSURANCE BEST FOR?
If you're looking for flexible coverage options with minimal out-of-pocket costs, Spot makes an excellent choice. Spot is the best pet insurance company for those seeking policies with low deductibles or no payout limits. It’s also ideal for those who want coverage for hereditary conditions, behavioral issues and vet exam fees at no additional cost.
Pet parents who need immediate accident coverage may find better options elsewhere due to Spot's 14-day waiting period.
Spot Pet Insurance Ratings by State
Spot offers pet insurance policies in all 50 states, claiming the top overall ranking in three states and earning second place in 26 states for cats. Our analysis also found that Spot ranks second for affordability in four states for cats and second for customer experience in all states for both pet types.
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Category:Overall Score
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Pet Type:Dog
| Alabama | 3.70 | 7 |
| Alaska | 3.40 | 8 |
| Arizona | 3.80 | 6 |
| Arkansas | 3.45 | 8 |
| California | 4.15 | 4 |
| Colorado | 3.75 | 6 |
| Connecticut | 3.70 | 7 |
| Delaware | 3.60 | 7 |
| Florida | 3.85 | 4 |
| Georgia | 3.75 | 7 |
| Hawaii | 3.65 | 8 |
| Idaho | 3.75 | 6 |
| Illinois | 3.80 | 6 |
| Indiana | 3.85 | 6 |
| Iowa | 3.80 | 6 |
| Kansas | 3.85 | 5 |
| Kentucky | 3.85 | 5 |
| Louisiana | 3.65 | 8 |
| Maine | 3.80 | 5 |
| Maryland | 3.80 | 4 |
| Massachusetts | 3.85 | 6 |
| Michigan | 3.70 | 6 |
| Missouri | 3.80 | 6 |
| Mississippi | 3.80 | 6 |
| Minnesota | 3.75 | 7 |
| Montana | 3.65 | 7 |
| Nebraska | 3.55 | 8 |
| Nevada | 3.80 | 5 |
| New Hampshire | 3.90 | 5 |
| New Jersey | 3.80 | 6 |
| New Mexico | 3.80 | 8 |
| New York | 3.70 | 7 |
| Oklahoma | 3.80 | 5 |
| North Carolina | 3.85 | 6 |
| North Dakota | 3.70 | 7 |
| Ohio | 3.70 | 7 |
| Oregon | 3.80 | 6 |
| Pennsylvania | 3.70 | 6 |
| South Carolina | 3.85 | 5 |
| Rhode Island | 3.70 | 7 |
| South Dakota | 3.70 | 6 |
| Tennessee | 3.70 | 7 |
| Texas | 3.80 | 6 |
| Utah | 3.65 | 7 |
| Vermont | 3.55 | 8 |
| Washington | 4.00 | 5 |
| Virginia | 3.75 | 6 |
| West Virginia | 3.90 | 4 |
| Wisconsin | 3.75 | 6 |
| Wyoming | 3.90 | 5 |
Spot Pet Insurance Comparison
See how Spot pet insurance fares against national competitors below.
Spot vs. ASPCA |
| Spot is the better choice overall, outperforming ASPCA in customer experience and cat coverage despite ASPCA's superior dog affordability. |
Spot vs. Embrace |
| Spot outranks Embrace in all categories, with better affordability, customer experience and coverage scores for dogs and cats. |
Spot vs. Fetch |
| Spot beats Fetch on price and customer service. Fetch has better coverage options. |
Spot vs. Figo |
| Spot wins on customer service and cat coverage. Figo offers more coverage options. |
Spot vs. Lemonade |
| Lemonade costs less for dogs. Spot costs less for cats. |
Spot vs. Met Life |
| Spot scores higher in all three categories. Met Life struggles with customer service and coverage. |
Spot vs. Nationwide |
| Spot beats Nationwide comprehensively, earning better affordability, customer experience and coverage for both dogs and cats. |
Spot vs. Pets Best |
| Pets Best has the edge for dog coverage with better affordability and coverage options, while Spot leads for cats with superior overall performance. |
Spot vs. Pumpkin |
| The companies tie for cat coverage but Spot wins for dogs, with superior customer experience balancing out Pumpkin's affordability advantage. |
How Much Does Spot Pet Insurance Cost?
Spot's pet insurance costs an average of $57 monthly ($684 annually) for dogs and $23 monthly ($284 annually) for cats. Your premium depends on several factors, including your location and pet breed.
| Dog | $57 | $60 | $684 | $723 | 5% |
| Cat | $23 | $32 | $284 | $379 | 25% |
Spot Pet Insurance Rates by State
Pet insurance rates differ by state due to veterinary costs, regulations and local claim patterns. Spot offers the cheapest pet insurance for cats in Missouri at $18 monthly and the most expensive coverage in Maine at $30. For dogs, Spot provides the lowest monthly rate in Alabama at $45 and the highest in Colorado at $72.
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Pet Type:Dog
| Alabama | $45 | $544 |
| Alaska | $63 | $754 |
| Arizona | $68 | $812 |
| Arkansas | $47 | $558 |
| California | $61 | $735 |
| Colorado | $72 | $856 |
| Connecticut | $67 | $796 |
| Delaware | $60 | $717 |
| Florida | $62 | $749 |
| Georgia | $51 | $617 |
| Hawaii | $60 | $722 |
| Idaho | $57 | $689 |
| Illinois | $70 | $835 |
| Indiana | $51 | $605 |
| Iowa | $49 | $583 |
| Kansas | $51 | $615 |
| Kentucky | $46 | $558 |
| Louisiana | $50 | $594 |
| Maine | $67 | $803 |
| Maryland | $56 | $674 |
| Massachusetts | $71 | $851 |
| Michigan | $58 | $693 |
| Minnesota | $59 | $707 |
| Mississippi | $49 | $588 |
| Missouri | $46 | $552 |
| Montana | $50 | $605 |
| Nebraska | $57 | $681 |
| Nevada | $58 | $698 |
| New Hampshire | $62 | $748 |
| New Jersey | $63 | $759 |
| New Mexico | $52 | $624 |
| New York | $63 | $759 |
| North Carolina | $51 | $607 |
| North Dakota | $46 | $553 |
| Ohio | $54 | $641 |
| Oklahoma | $49 | $582 |
| Oregon | $69 | $830 |
| Pennsylvania | $60 | $719 |
| Rhode Island | $53 | $628 |
| South Carolina | $51 | $614 |
| South Dakota | $53 | $633 |
| Tennessee | $55 | $661 |
| Texas | $60 | $716 |
| Utah | $57 | $677 |
| Vermont | $58 | $696 |
| Virginia | $60 | $723 |
| Washington | $65 | $778 |
| West Virginia | $47 | $563 |
| Wisconsin | $61 | $734 |
| Wyoming | $51 | $611 |
Spot Pet Insurance Rates by Breed
Pet insurance premiums from Spot vary by breed. British Longhair cats cost $21 monthly, while Abyssinian breeds reach $32 with Spot's coverage. For dogs, small mixed breeds under 20 pounds start at $24 monthly, but Bullmastiff owners pay up to $112. These pricing differences reflect each breed's distinct health profile, as certain breeds require more frequent veterinary care and costly treatments.
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Pet Type:Cat
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Breed:Abyssinian
| Abyssinian | $32 | $380 |
Is Spot Pet Insurance Expensive?
Spot isn't the cheapest pet insurance option, ranking fourth for affordability for cats and ninth for dogs in our study. Use the filterable table below to see whether Spot is expensive for your pet's age group and your chosen deductible, annual limit and reimbursement rate.
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Pet Type:Dog
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Pet Age Group:Middle Aged
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Deductible:$500
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Annual Limit:$5,000
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Reimbursement %:80%
| $69 | $822 | 4% |
Spot Pet Insurance Discounts
Spot offers four pet insurance discounts to help reduce premiums. The company provides a 10% multiple pet discount when you insure more than one pet under the same policy. Additional savings are available through AAA membership, Blue365 wellness programs and employee benefits at participating companies.
Association member benefit | 10% | American Automobile Association (AAA) member |
Club membership benefit | 10% | Blue Cross Blue Shield member who signs up for the Blue365 program |
Employer group benefit | 10% | Employee of a participating company and enroll through the employer-specific page |
Multiple pets | 10% | Sign up an additional pet with Spot |
Spot Pet Insurance Customer Service Reviews and Ratings
Spot ranks second nationally for customer service with dogs and cats, earning a high rating from the Better Business Bureau and positive feedback on Trustpilot. Reddit users share mixed experiences, with many praising Spot's customer service team, while others report problems with claim approvals and support responses.
Spot Trustpilot Reviews
Spot earns a 4.7 out of 5 rating on Trustpilot from verified customers who rate its service and claims handling. Most policyholders report positive experiences with Spot's coverage and support team. Trustpilot collects verified reviews to give consumers honest feedback about companies.
Spot Better Business Bureau Rating
Spot holds an A+ rating from the Better Business Bureau (BBB) and has maintained BBB Accredited Business status since May 2020. The A+ grade is BBB's top rating, showing Spot meets its standards for trust and resolves customer complaints well. Companies must address customer issues and follow ethical business practices to get BBB accreditation.
Spot Pet Insurance Reddit Sentiment
We looked at 29 Reddit comments about Spot. Thirteen were positive, sixteen were negative. Common complaints mention claim denials and slow support responses. Positive comments praise customer service and quick claims handling.
Common concerns include claim denials and coverage limitations, while positive feedback often highlights customer service responsiveness and straightforward policy terms.
Spot Pet Insurance Coverage
Spot offers accident-only pet insurance and comprehensive accident and illness coverage for dogs and cats. You can customize your policy by choosing from multiple coverage options and adding optional riders to fit your budget and your pet’s health needs.
Deductibles | $100, $250, $500, $750, $1,000 |
Annual limits | $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited |
Reimbursement rates | 70%, 80%, 90% |
Coverage for accident-only plan | Injuries and emergencies related to accidents, swallowed objects and toxins. Includes vet exam fees, MRI or CT scans, X-rays, surgery and hospitalizations. Also covers IV fluids and medications, medical supplies, poison control consultation fees, prescription medications, tooth extractions and alternative therapies like acupuncture. |
Coverage for accident and illness plan | All coverages included in accident-only policy, new major and minor illnesses, hereditary conditions, hip dysplasia, cancer and growths, infectious diseases and diseases from parasites, orthopedic conditions, dental illnesses, digestive illnesses, behavioral issues, skin/eye/ear infections, microchip implantation, diagnostics and treatments, surgery and specialized care, advanced care, virtual vet visits |
Pre-existing conditions | Pre-existing conditions that have been cured or are curable may be eligible for coverage after 180 symptom-free days, excluding chronic or ligament and knee conditions |
Bilateral conditions | Doesn't cover bilateral conditions of pre-existing conditions |
Waiting periods | 14 days for accidents, illnesses, ligament and knee conditions |
Enrollment restrictions | No upper age limits or breed exclusions for enrollment |
*Coverage varies by state and policy terms. Always review your specific policy documents and consult your insurance provider to understand exact coverage terms, exclusions, limitations and waiting periods before enrollment.
Spot Pet Insurance Coverage Add-Ons
Spot offers optional wellness plans that reimburse for routine preventive care services like vaccinations, dental cleanings and wellness exams. These add-on plans have no deductibles or waiting periods, so coverage begins immediately after enrollment.
Gold wellness plan | Covers dental cleanings, wellness exams, DHLPP/FVRCP vaccines, rabies/Lyme FIP vaccines, fecal tests, heartworm or FeLV tests, deworming |
Platinum wellness plan | Includes all Gold benefits plus spay/neuter or dental cleaning, health certificates, urinalysis, flea/heartworm preventions, Bordetella/FELV vaccines, blood tests |
Is Spot Pet Insurance Good: Bottom Line
Spot provides dog insurance at a monthly average of $57, while cat coverage runs $23. Spot holds the second-best customer experience ranking nationwide and receives high ratings from Trustpilot and the Better Business Bureau. Pet owners considering Spot can choose between basic accident-only or comprehensive coverage plans, plus optional wellness plans for preventive care.
Spot Pet Insurance Review: FAQ
We’ve addressed some frequently asked questions about Spot pet insurance below:
Is Spot pet insurance worth it in 2025?
Spot offers solid value for pet insurance, especially for cat owners who pay an average of $23 monthly compared to the $32 national average. The company also ranks second nationwide for customer experience and provides flexible coverage options, with deductibles as low as $100 and annual limits up to unlimited.
What do Reddit users really think about Spot pet insurance?
Reddit discussions reveal mixed sentiment about Spot, with 45% positive feedback based on 29 comments analyzed. The 13 positive versus 16 negative comments reflect varied customer experiences, suggesting service quality may depend on individual circumstances and claim types.
Does Spot cover pre-existing conditions for pets?
Spot generally excludes pre-existing conditions but has a cured condition clause in its policies. If a pre-existing condition is curable, cured, and free from treatment and symptoms for 180 days, it may become eligible for coverage if it reoccurs. However, chronic conditions and ligament or knee conditions remain excluded.
Does Spot offer discounts for multiple pets?
Spot offers a 10% multiple pet discount when you insure more than one pet under the same policy. This is one of its four discounts, along with AAA and Blue365 membership savings and employee benefits at participating companies.
Is Spot pet insurance available in my state?
Spot operates in all 50 states, making it widely available nationwide. Pet insurance rates vary by location, ranging from $18 monthly for cats in Missouri to $30 in Maine and $45 for dogs in Alabama to $72 in Colorado.
How We Rated Spot Pet Insurance
Pet insurance shopping feels overwhelming with so many options available. We analyzed how Spot performs across the following key areas:
Affordability (50% of score): We analyzed premiums by collecting quotes across multiple coverage levels, pet breeds and age ranges to compare providers' charges. Our analysis also considered the company’s discount structure to reveal the true cost you'll pay rather than base advertised rates.
Customer experience (30% of score): We computed this score by collecting customer feedback and ratings from platforms like Trustpilot and Reddit to gauge real user experiences.
Coverage options (20% of score): We evaluated all policy features, optional add-ons and coverage scope to assess whether the company provides comprehensive financial protection and valuable policy benefits for pet owners.
We used quotes collected using our standard 6-year-old Labrador Retriever and 7-year-old Ragdoll profiles, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Better Business Bureau. "Spot Pet Insurance Services, LLC." Accessed October 2, 2025.
- Trustpilot. "Spot Pet Insurance." Accessed October 2, 2025.