Spot's pet insurance scores 4.15 out of 5 for cats and 3.75 out of 5 for dogs in MoneyGeek’s analysis. Spot excels in customer service, though its premiums are higher than competitors', particularly for dogs. Spot's waiting period for accident coverage is longer than competitors at 14 days.
Spot Pet Insurance Review
Updated: April 28, 2026
Advertising & Editorial Disclosure
Spot Pet Insurance Review: Key Takeaways
Spot ranks 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 with high ratings on Trustpilot and the Better Business Bureau.
Spot ranks eighth nationwide for coverage options, offering two wellness plan add-ons in addition to standard accident-only and accident and illness policies.
Spot Pet Insurance Ratings
Data filtered by:
Dog
| Coverage | 2.61 | 8 |
| Affordability | 3.7 | 9 |
| Overall Score | 3.75 | 6 |
| Customer Experience | 4.58 | 2 |
WHO IS SPOT PET INSURANCE BEST FOR?
Spot works best for pet owners who want flexible coverage options with minimal out-of-pocket costs. Spot is the best pet insurance company for pet owners who want policies with low deductibles or no payout limits. Spot is ideal for pet owners 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.
Learn more about the best pet insurance options for your pet:
Spot Pet Insurance Ratings by State
Available in all 50 states, Spot offers the best pet insurance in three states and second-best coverage in 26 states for cats. The company ranks second for affordability in four states for cats and second for customer experience in all states for both pet types.
Data filtered by:
Overall Score
Dog
| Alaska | 3.4 | 8 |
| Arkansas | 3.45 | 8 |
| Nebraska | 3.55 | 8 |
| Vermont | 3.55 | 8 |
| Delaware | 3.6 | 7 |
| Hawaii | 3.65 | 8 |
| Louisiana | 3.65 | 8 |
| Montana | 3.65 | 7 |
| Utah | 3.65 | 7 |
| Alabama | 3.7 | 7 |
| Connecticut | 3.7 | 7 |
| Michigan | 3.7 | 6 |
| New York | 3.7 | 7 |
| North Dakota | 3.7 | 7 |
| Ohio | 3.7 | 7 |
| Pennsylvania | 3.7 | 6 |
| Rhode Island | 3.7 | 7 |
| South Dakota | 3.7 | 6 |
| Tennessee | 3.7 | 7 |
| Colorado | 3.75 | 6 |
| Georgia | 3.75 | 7 |
| Idaho | 3.75 | 6 |
| Minnesota | 3.75 | 7 |
| Virginia | 3.75 | 6 |
| Wisconsin | 3.75 | 6 |
| Arizona | 3.8 | 6 |
| Illinois | 3.8 | 6 |
| Iowa | 3.8 | 6 |
| Maine | 3.8 | 5 |
| Maryland | 3.8 | 4 |
| Missouri | 3.8 | 6 |
| Mississippi | 3.8 | 6 |
| Nevada | 3.8 | 5 |
| New Jersey | 3.8 | 6 |
| New Mexico | 3.8 | 8 |
| Oklahoma | 3.8 | 5 |
| Oregon | 3.8 | 6 |
| Texas | 3.8 | 6 |
| Florida | 3.85 | 4 |
| Indiana | 3.85 | 6 |
| Kansas | 3.85 | 5 |
| Kentucky | 3.85 | 5 |
| Massachusetts | 3.85 | 6 |
| North Carolina | 3.85 | 6 |
| South Carolina | 3.85 | 5 |
| New Hampshire | 3.9 | 5 |
| West Virginia | 3.9 | 4 |
| Wyoming | 3.9 | 5 |
| Washington | 4 | 5 |
| California | 4.15 | 4 |
Spot Pet Insurance Comparison
See how Spot pet insurance fares against national competitors below.
| Spot outperforms ASPCA in customer experience and cat coverage despite ASPCA's lower dog insurance costs. | |
| Spot outranks Embrace in all categories, with lower costs, stronger customer experience and more coverage for dogs and cats. | |
| Spot beats Fetch on price and customer service. Fetch offers more coverage options. | |
| Spot leads in customer service and cat coverage. Figo provides more coverage options. | |
| Lemonade costs less for dogs. Spot costs less for cats. | |
| Spot scores higher in all three categories. Met Life has lower customer service and coverage scores. | |
| Spot beats Nationwide in affordability, customer experience and coverage for both dogs and cats. | |
| Pets Best leads for dog coverage with lower costs and more coverage options, while Spot leads for cats. | |
| The companies tie for cat coverage, but Spot wins for dogs with stronger customer experience despite Pumpkin's lower costs. | |
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 factors including your location and pet breed.
| Cat | $23 | $32 | $284 | $379 | 25% |
| Dog | $57 | $60 | $684 | $723 | 5% |
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, while coverage costs $30 in Maine. For dogs, Spot charges the lowest monthly rate in Alabama at $45 and the highest in Colorado at $72.
Data filtered by:
Dog
| Alabama | $45 | $544 |
| North Dakota | $46 | $553 |
| Missouri | $46 | $552 |
| Kentucky | $46 | $558 |
| Arkansas | $47 | $558 |
| West Virginia | $47 | $563 |
| Oklahoma | $49 | $582 |
| Iowa | $49 | $583 |
| Mississippi | $49 | $588 |
| Louisiana | $50 | $594 |
| Montana | $50 | $605 |
| Indiana | $51 | $605 |
| North Carolina | $51 | $607 |
| Wyoming | $51 | $611 |
| South Carolina | $51 | $614 |
| Georgia | $51 | $617 |
| Kansas | $51 | $615 |
| New Mexico | $52 | $624 |
| Rhode Island | $53 | $628 |
| South Dakota | $53 | $633 |
| Ohio | $54 | $641 |
| Tennessee | $55 | $661 |
| Maryland | $56 | $674 |
| Utah | $57 | $677 |
| Nebraska | $57 | $681 |
| Idaho | $57 | $689 |
| Michigan | $58 | $693 |
| Vermont | $58 | $696 |
| Nevada | $58 | $698 |
| Minnesota | $59 | $707 |
| Texas | $60 | $716 |
| Delaware | $60 | $717 |
| Virginia | $60 | $723 |
| Pennsylvania | $60 | $719 |
| Hawaii | $60 | $722 |
| California | $61 | $735 |
| Wisconsin | $61 | $734 |
| Florida | $62 | $749 |
| New Hampshire | $62 | $748 |
| Alaska | $63 | $754 |
| New Jersey | $63 | $759 |
| New York | $63 | $759 |
| Washington | $65 | $778 |
| Connecticut | $67 | $796 |
| Maine | $67 | $803 |
| Arizona | $68 | $812 |
| Oregon | $69 | $830 |
| Illinois | $70 | $835 |
| Massachusetts | $71 | $851 |
| Colorado | $72 | $856 |
Spot Pet Insurance Rates by Breed
Pet insurance premiums vary by breed. British Longhair cats cost $21 monthly, while Abyssinians reach $32. Small mixed-breed dogs under 20 pounds start at $24 monthly, but Bullmastiff owners pay up to $112. These pricing differences reflect each breed's health profile and typical veterinary needs.
Data filtered by:
Select
Select
| British Longhair | $21 | $254 |
| Bombay | $21 | $258 |
| Domestic Shorthair | $21 | $261 |
| Ragdoll | $22 | $260 |
| Siamese | $22 | $267 |
| Russian Blue | $22 | $271 |
| Norwegian Forest cat | $23 | $277 |
| Birman | $24 | $286 |
| Tonkinese | $24 | $285 |
| Small Mix (Under 20 pounds) | $24 | $283 |
| Devon Rex | $24 | $290 |
| Serengeti | $24 | $294 |
| Chinchilla | $25 | $309 |
| Munchkin | $26 | $310 |
| Burmese | $26 | $310 |
| Himalayan | $26 | $315 |
| Scottish Fold | $26 | $316 |
| Bengal | $26 | $318 |
| Snowshoe | $26 | $319 |
| Australian Mist | $27 | $320 |
| Small Mix (10 and less pounds) | $27 | $323 |
| Cornish Rex | $27 | $327 |
| Small Mix (11-25) | $27 | $325 |
| Siberian | $27 | $330 |
| Savannah | $27 | $331 |
| British Shorthair | $28 | $336 |
| Small Mix (0-20) | $28 | $332 |
| Persian | $28 | $338 |
| Small Mix (1-10 pounds) | $28 | $340 |
| Mixed breed Small (up to 20lbs when full grown) | $28 | $338 |
| Mixed Breed Small (>10 lbs) | $29 | $348 |
| Balinese | $30 | $356 |
| Maine Coon | $30 | $358 |
| Mixed Breed Small (11-30 lbs) | $30 | $365 |
| Sphynx | $31 | $369 |
| Chihuahua | $31 | $374 |
| Exotic Shorthair | $32 | $379 |
| Abyssinian | $32 | $380 |
| Small Mix (11-30) | $32 | $385 |
| Small Mix (25 and less pounds) | $33 | $389 |
| Maltipoo | $33 | $397 |
| Morkie | $33 | $399 |
| Shih Tzu | $34 | $407 |
| Small Mix (22 pounds or less) | $34 | $407 |
| Cockapoo | $34 | $412 |
| Jack Russell Terrier | $35 | $418 |
| Cavapoo | $35 | $419 |
| Toy Mix (10 and less pounds) | $35 | $419 |
| Mixed Breed Medium (31-50 lbs) | $35 | $418 |
| Havanese | $36 | $427 |
| Puggle | $37 | $440 |
| Shiba Inu | $37 | $443 |
| Medium Mix (20-55 pounds) | $37 | $448 |
| Miniature Poodle | $37 | $445 |
| Cavachon | $37 | $446 |
| Schnoodle | $37 | $447 |
| Yorkshire terrier | $37 | $449 |
| Papillon | $38 | $462 |
| Medium Mix (31-59 pounds) | $39 | $463 |
| Maltese | $39 | $468 |
| Medium Mix (20-70 pounds) | $39 | $471 |
| Medium Mix (26-50 pounds) | $39 | $469 |
| Medium Mix (31-50 pounds) | $39 | $471 |
| Australian Shepherd | $39 | $473 |
| Toy Poodle | $40 | $473 |
| Lhasa Apso | $40 | $478 |
| Groodle | $40 | $480 |
| Japanese Chin | $40 | $483 |
| Dachshund | $40 | $484 |
| Japanese Spitz | $41 | $488 |
| American Hairless Terrier | $41 | $490 |
| Border Collie | $41 | $491 |
| Coton De Tulear | $41 | $489 |
| Basenji | $41 | $493 |
| Miniature Pinscher | $41 | $492 |
| Mixed Dog (21-50 pounds) | $41 | $498 |
| Shetland Sheepdog | $42 | $497 |
| Pomeranian | $42 | $497 |
| American Eskimo | $42 | $499 |
| Australian Silky Terrier | $42 | $500 |
| Welsh Springer Spaniel | $43 | $511 |
| Dingo | $43 | $515 |
| Large Mix (51-110 pounds) | $43 | $514 |
| English Toy Terrier | $43 | $513 |
| Husky | $43 | $516 |
| Pekingese | $43 | $518 |
| Miniature Dachshund | $43 | $518 |
| Labradoodle | $44 | $522 |
| Goldendoodle | $44 | $523 |
| Miniature Schnauzer | $44 | $524 |
| West Highland White Terrier | $44 | $524 |
| Peruvian Hairless Dog | $44 | $530 |
| Fox Terrier | $45 | $536 |
| Australian Terrier | $45 | $537 |
| Border Terrier | $45 | $541 |
| German Pinscher | $45 | $540 |
| Siberian Husky | $45 | $543 |
| Bichon Frise | $46 | $545 |
| Bearded Collie | $46 | $548 |
| Miniature Fox Terrier | $46 | $550 |
| Norwich Terrier | $46 | $553 |
| English Foxhound | $46 | $551 |
| Large Mix (Over 70 pounds) | $46 | $559 |
| Giant Mix (111 pounds+) | $47 | $558 |
| Brussels Griffon | $47 | $559 |
| Large Mix (51-100 pounds) | $47 | $561 |
| Large Mix (61+ pounds) | $47 | $562 |
| Medium Mix (23-70 pounds) | $47 | $563 |
| Mixed Breed Large (51-90 lbs) | $47 | $561 |
| Norfolk Terrier | $47 | $564 |
| American Foxhound | $47 | $565 |
| Australian Cattle Dog | $48 | $570 |
| Large Mix (55-90 pounds) | $48 | $573 |
| Italian Greyhound | $48 | $570 |
| Cairn Terrier | $48 | $570 |
| German Spitz | $48 | $575 |
| Finnish Lapphund | $48 | $576 |
| Irish Terrier | $48 | $575 |
| Foxhound | $48 | $574 |
| Whippet | $48 | $577 |
| Boston Terrier | $48 | $576 |
| Wire Fox Terrier | $48 | $579 |
| Affenpinscher | $49 | $582 |
| Icelandic Sheepdog | $49 | $582 |
| Norwegian Elkhound | $49 | $583 |
| Petit Basset Griffon Vendeens | $49 | $585 |
| Alaskan Husky | $49 | $582 |
| Standard Schnauzer | $49 | $588 |
| Welsh Corgi Cardigan | $49 | $589 |
| Collie | $50 | $595 |
| Australian Kelpie | $50 | $598 |
| Harrier | $50 | $596 |
| Beagle | $50 | $599 |
| Puli | $50 | $599 |
| English Springer Spaniel | $50 | $602 |
| Mixed Breed | $50 | $604 |
| Mixed Dog (51-90 pounds) | $50 | $598 |
| Cavalier King Charles Spaniel | $51 | $604 |
| Pembroke Welsh Corgi | $51 | $606 |
| Welsh Corgi Pembroke | $51 | $606 |
| Welsh Terrier | $51 | $609 |
| Giant Mix (110 pounds+) | $51 | $611 |
| Large Mix (60-109 pounds) | $51 | $611 |
| Medium Mix (26-59 pounds) | $51 | $611 |
| Small Mix (0-25) | $51 | $611 |
| Field Spaniel | $51 | $612 |
| Pointer | $51 | $614 |
| Pug | $52 | $619 |
| German Shorthaired Pointer | $52 | $619 |
| Tibetan Terrier | $52 | $622 |
| Keeshond | $52 | $624 |
| Mixed Dog (91 pounds+) | $53 | $630 |
| Samoyed | $53 | $633 |
| English Setter | $53 | $636 |
| Italian Spinone | $53 | $637 |
| Smooth Collie | $53 | $637 |
| Giant Mix (100 pounds+) | $53 | $636 |
| Soft Coated Wheaten Terrier | $53 | $639 |
| Cocker spaniel | $54 | $639 |
| Scottish Terrier | $54 | $648 |
| English Pointer | $54 | $650 |
| Belgian Shepherd Malinois | $55 | $656 |
| Vizsla | $55 | $656 |
| Saluki | $55 | $661 |
| Standard Poodle | $56 | $665 |
| Bracco Italiano | $56 | $667 |
| Basset Fauve de Bretagne | $56 | $667 |
| Rough Collie | $56 | $669 |
| German Shepherd | $57 | $676 |
| Chow Chow | $57 | $680 |
| Labrador Retriever | $57 | $684 |
| Afghan Hound | $57 | $685 |
| Briard | $57 | $687 |
| Portuguese Water Dog | $58 | $699 |
| Corgi | $59 | $702 |
| Clumber Spaniel | $59 | $708 |
| Irish Setter | $59 | $709 |
| Alaskan Malamute | $59 | $711 |
| Old English Sheepdog | $59 | $712 |
| Golden Retriever | $60 | $716 |
| Staffordshire Bull Terrier | $60 | $718 |
| Alsation | $60 | $719 |
| Komondor | $60 | $721 |
| Akita | $61 | $723 |
| Airedale Terrier | $62 | $735 |
| Hungarian Vizsla | $63 | $759 |
| Pitbull | $63 | $759 |
| Petit Basset Griffon Vendeen | $64 | $768 |
| Great Pyrenees | $64 | $771 |
| Greyhound | $65 | $773 |
| Borzoi | $65 | $771 |
| Alsatian | $66 | $789 |
| Rhodesian Ridgeback | $66 | $789 |
| Gordon Setter | $66 | $792 |
| Basset Hound | $67 | $797 |
| Bull Terrier | $67 | $802 |
| Weimaraner | $67 | $801 |
| American Staffordshire Terrier | $67 | $804 |
| Lurcher | $68 | $815 |
| Dalmatian | $68 | $815 |
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.
Data filtered by:
Dog
Middle Aged
$500
$5,000
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, 16 were negative. Common complaints mention claim denials, coverage limitations and slow support responses. Positive comments praise customer service responsiveness, quick claims processing and straightforward policy terms.
Spot Pet Insurance Coverage
Spot offers accident-only pet insurance and comprehensive accident and illness policies for dogs and cats. You can customize your policy by choosing from multiple pet insurance coverage options and adding optional riders to fit your budget and your pet’s health needs.
$100, $250, $500, $750, $1,000 | |
$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited | |
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 |
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.
Browse through our review guides for the top pet insurance companies for your pet:
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 pet insurance is worth it in 2025, 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 Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.
Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.
He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.
Sources
- Better Business Bureau. "Spot Pet Insurance Services, LLC." Accessed May 9, 2026.
- Trustpilot. "Spot Pet Insurance." Accessed May 9, 2026.