Spot vs. Pets Best Pet Insurance

Pets Best provides better pet insurance for dogs, while Spot takes the lead for cats, based on MoneyGeek's analysis. While this is the case, your best choice between these two providers may change based on what matters most to you:

• Affordability: Spot ranks fourth nationally for cat coverage and offers more competitive rates than Pets Best. For dogs, Pets Best claims fourth place nationally and beats Spot by five positions in affordability.
• Customer Experience: Spot secures second place nationally across both pet types and ranks three positions higher than Pets Best. Pet owners report faster claims processing and more responsive support with Spot.
• Coverage: Pets Best ranks second nationally for both dogs and cats, outperforming Spot by six spots by offering the option to pay licensed veterinarians directly for covered claims.

Learn more about the best pet insurance options for your pet across different situations:

Spot ranks as the best pet insurance company in 48 states for cats, while Pets Best wins in Arkansas and Maryland. For dogs, Pets Best dominates with 49 state wins compared to Spot's California win.

Spot offers cheaper pet insurance for puppies, young dogs, middle-aged dogs and senior dogs, with senior dog owners saving 11% compared to Pets Best. Meanwhile, Pets Best wins on affordability for all cat age groups, providing the biggest savings of 11% for young cat coverage.

See how much pet insurance costs across different age categories below.

Pets Best has the lower cat insurance rates across the board, while Spot comes out ahead on price for most dog owners. Of all the states reviewed, Arkansas has the cheapest pet insurance rates from both providers across every age group.

• Kittens: Pets Best costs $9 per month in Arkansas compared to Spot’s $10, which works out to about 8% less for kitten coverage.
• Young cats: At $11 per month versus Spot’s $13, Pets Best offers around 14% lower premiums for Arkansas cats under two years old.
• Middle-aged cats: Pets Best averages $18 per month in Arkansas, while Spot charges $22, a difference of roughly 12% during adult years.
• Senior cats: With a $45 monthly rate compared to Spot’s $50, Pets Best comes in about 10% lower for older cats in Arkansas.
• Puppies: Arkansas pet owners pay $17 per month with Spot and $18 with Pets Best, giving Spot about a 6% price advantage for puppies.
• Young dogs: For dogs under two, both companies list rates around $22 per month in Arkansas, though Spot comes in slightly lower at roughly 3% less overall.
• Middle-aged dogs: Adult dog coverage runs $33 per month with Spot compared to $36 from Pets Best, which puts Spot about 8% lower in this age group.
• Senior dogs: Coverage for older dogs averages $80 per month through Spot versus $89 with Pets Best in Arkansas, a difference of about 10% in Spot’s favor.

Pets Best has more pet insurance discounts than Spot, with four savings opportunities versus Spot's three. Both providers include multi-pet and employer group discounts, but Spot's versions are worth more at 10% compared to Pets Best's 5%. Pets Best pulls ahead with military and veterinary staff discounts at 5%, which Spot doesn't offer at all.

Spot wins on customer experience, leading ahead of Pets Best by three spots. Although Pets Best garners stronger positive feedback on Reddit, Spot outperforms its competitor by holding higher ratings from Trustpilot and the Better Business Bureau.

Pets Best offers better pet insurance coverage for dogs and cats than Spot, ranking sixth nationally compared to Spot's eighth position. Pets Best outperforms Spot by requiring a shorter waiting period for accidents and offering the option to pay licensed veterinarians directly for covered claims.

Coverage varies by state and policy terms. Always review your policy documents to understand exact coverage terms, exclusions and limitations.

Spot's optional wellness plan runs in two tiers, Gold and Platinum, covering routine care: dental cleaning, wellness exams, vaccines, deworming, fecal tests, urinalysis, spaying/neutering, health certificates and flea/heartworm prevention.

Pets Best has three optional add-ons:

• Wellness plan: Two options (EssentialWellness and BestWellness) covering wellness exams, vaccinations, blood work, fecal exams, urinalysis, heartworm tests, deworming, teeth cleaning and spaying or neutering.
• Exam fees: Reimburses vet exam fees tied to covered accidents and illnesses.
• Physical therapy: Covers rehabilitation, acupuncture and chiropractic care for eligible conditions.

The right pick between Spot and Pets Best comes down to your pet and what matters most to you. Cats cost less to insure with Pets Best, at $27 monthly for middle-aged felines, and its coverage options are broader. Spot wins on customer service, with an A+ BBB rating and a 4.7 out of 5 Trustpilot score, and costs less for dogs at $49 monthly for middle-aged canines. 

Cat owners who want lower rates and stronger coverage will do better with Pets Best. Dog owners who want reliable service and cheaper premiums should go with Spot.

Compare other major pet insurance companies to determine the best choice for your pet:

Compare Spot and Pets Best pet insurance through these common questions: