Pets Best provides superior pet insurance coverage for dogs and cats compared to Spot, ranking second nationally while Spot ranks eighth. Research shows both companies offer similar deductible ranges and reimbursement rates, but Pets Best has a shorter three-day accident waiting period versus Spot's five days, plus greater coverage flexibility with the ability to adjust plans within 14 days of purchase.
Spot vs. Pets Best Pet Insurance
Updated: November 3, 2025
Advertising & Editorial Disclosure
Spot vs. Pets Best Pet Insurance: Key Takeaways
Pets Best provides more affordable coverage for middle-aged cats at $27 monthly versus Spot's $30, while Spot offers better rates for middle-aged dogs at $49 monthly compared to Pets Best's $53.
Spot ranks second nationally in customer experience for both cats and dogs, earning a 4.7 out of 5.0 Trustpilot rating that outperforms Pets Best's fifth-place ranking and 4.0-star rating.
Pets Best achieves a second-place national ranking for coverage compared to Spot's eighth place, offering comprehensive accident coverage after a three-day waiting period and wellness rewards as optional add-ons.
Is Spot or Pets Best Pet Insurance Better?
Data filtered by:
Dog
| Affordability | Pets Best | 4 | 9 |
| Coverage | Pets Best | 2 | 8 |
| Customer Experience | Spot | 2 | 5 |
| Overall Score | Pets Best | 3 | 6 |
Spot and Pets Best Comparison by State
Spot ranks as the best pet insurance company in three states for cats: California, Florida and Massachusetts. Pets Best leads in Maryland for cat coverage and Wisconsin for dog insurance, while Spot tops California for dog coverage.
Data filtered by:
Overall Score
Dog
| Alabama | Pets Best | 4 | 3 |
| Alaska | Pets Best | 4 | 4 |
| Arizona | Pets Best | 3 | 3 |
| Arkansas | Pets Best | 4 | 4 |
| California | Spot | 4 | 2 |
| Colorado | Pets Best | 3 | 3 |
| Connecticut | Pets Best | 4 | 3 |
| Delaware | Pets Best | 3 | 4 |
| Florida | Pets Best | 3 | 1 |
| Georgia | Pets Best | 4 | 3 |
| Hawaii | Pets Best | 4 | 4 |
| Idaho | Pets Best | 4 | 2 |
| Illinois | Pets Best | 4 | 2 |
| Indiana | Pets Best | 4 | 2 |
| Iowa | Pets Best | 3 | 3 |
| Kansas | Pets Best | 4 | 1 |
| Kentucky | Pets Best | 4 | 1 |
| Louisiana | Pets Best | 3 | 5 |
| Maine | Pets Best | 4 | 1 |
| Maryland | Pets Best | 3 | 1 |
| Massachusetts | Pets Best | 4 | 2 |
| Michigan | Pets Best | 3 | 3 |
| Minnesota | Pets Best | 4 | 3 |
| Mississippi | Pets Best | 3 | 3 |
| Missouri | Pets Best | 4 | 2 |
| Montana | Pets Best | 4 | 3 |
| Nebraska | Pets Best | 3 | 5 |
| Nevada | Pets Best | 3 | 2 |
| New Hampshire | Pets Best | 3 | 2 |
| New Jersey | Pets Best | 3 | 3 |
| New Mexico | Pets Best | 3 | 5 |
| New York | Pets Best | 3 | 4 |
| North Carolina | Pets Best | 3 | 3 |
| North Dakota | Pets Best | 3 | 4 |
| Ohio | Pets Best | 3 | 4 |
| Oklahoma | Pets Best | 3 | 2 |
| Oregon | Pets Best | 4 | 2 |
| Pennsylvania | Pets Best | 3 | 3 |
| Rhode Island | Pets Best | 4 | 3 |
| South Carolina | Pets Best | 4 | 1 |
| South Dakota | Pets Best | 3 | 3 |
| Tennessee | Pets Best | 4 | 3 |
| Texas | Pets Best | 4 | 2 |
| Utah | Pets Best | 3 | 4 |
| Vermont | Pets Best | 3 | 5 |
| Virginia | Pets Best | 3 | 3 |
| Washington | Pets Best | 4 | 1 |
| West Virginia | Pets Best | 3 | 1 |
| Wisconsin | Pets Best | 2 | 4 |
| Wyoming | Pets Best | 4 | 1 |
Spot vs. Pets Best Pet Insurance Cost
Pet insurance affordability depends on your pet type. Pets Best offers cheaper rates for cats across all ages, while Spot provides more affordable coverage for dogs. For middle-aged dogs, Spot costs $49 per month compared with Pets Best's $53. Middle-aged cats cost $27 monthly with Pets Best versus $30 with Spot.
See how much pet insurance costs across different age categories.
Data filtered by:
Select
| Kittens | Pets Best | $13 | 5% |
| Young Cats | Pets Best | $17 | 11% |
| Puppies | Spot | $25 | 7% |
| Middle Aged Cats | Pets Best | $27 | 10% |
| Young Dogs | Spot | $32 | 3% |
| Middle Aged Dogs | Spot | $49 | 8% |
| Senior Cats | Pets Best | $67 | 8% |
| Senior Dogs | Spot | $118 | 11% |
Spot vs. Pets Best Pet Insurance Cost by State
Spot offers the cheapest pet insurance for dogs across all 50 states, while Pets Best provides more affordable rates for cats nationwide. Spot leads for middle-aged dogs, and Pets Best dominates middle-aged cat coverage.
Data filtered by:
Middle Aged Dogs
| Alabama | Spot | $36 | 8% |
| Alaska | Spot | $48 | 8% |
| Arizona | Spot | $59 | 8% |
| Arkansas | Spot | $33 | 8% |
| California | Spot | $61 | 9% |
| Colorado | Spot | $61 | 8% |
| Connecticut | Spot | $56 | 8% |
| Delaware | Spot | $49 | 8% |
| Florida | Spot | $55 | 8% |
| Georgia | Spot | $44 | 8% |
| Hawaii | Spot | $49 | 8% |
| Idaho | Spot | $49 | 8% |
| Illinois | Spot | $60 | 8% |
| Indiana | Spot | $44 | 8% |
| Iowa | Spot | $41 | 8% |
| Kansas | Spot | $44 | 8% |
| Kentucky | Spot | $39 | 8% |
| Louisiana | Spot | $39 | 8% |
| Maine | Spot | $59 | 9% |
| Maryland | Spot | $48 | 8% |
| Massachusetts | Spot | $63 | 8% |
| Michigan | Spot | $49 | 8% |
| Minnesota | Spot | $51 | 8% |
| Mississippi | Spot | $41 | 8% |
| Missouri | Spot | $38 | 8% |
| Montana | Spot | $41 | 8% |
| Nebraska | Spot | $44 | 8% |
| Nevada | Spot | $50 | 8% |
| New Hampshire | Spot | $56 | 9% |
| New Jersey | Spot | $55 | 9% |
| New Mexico | Spot | $43 | 8% |
| New York | Spot | $53 | 8% |
| North Carolina | Spot | $43 | 8% |
| North Dakota | Spot | $37 | 8% |
| Ohio | Spot | $45 | 8% |
| Oklahoma | Spot | $41 | 8% |
| Oregon | Spot | $61 | 8% |
| Pennsylvania | Spot | $51 | 8% |
| Rhode Island | Spot | $43 | 8% |
| South Carolina | Spot | $46 | 9% |
| South Dakota | Spot | $43 | 8% |
| Tennessee | Spot | $45 | 8% |
| Texas | Spot | $52 | 8% |
| Utah | Spot | $47 | 8% |
| Vermont | Spot | $45 | 8% |
| Virginia | Spot | $52 | 8% |
| Washington | Spot | $56 | 8% |
| West Virginia | Spot | $42 | 9% |
| Wisconsin | Spot | $52 | 8% |
| Wyoming | Spot | $45 | 9% |
Spot vs. Pets Best Pet Insurance Discounts
Spot and Pets Best both offer ways to reduce your pet insurance premium through pet insurance discounts, but their discount portfolios differ. Spot provides several stacked savings opportunities, while Pets Best offers fewer but still relevant ways to save.
Save 10% on each additional pet’s premium when you enroll more than one pet. | Save roughly 5% for each additional pet enrolled (after the first). | |
Bundling | None publicly documented. | None publicly documented. |
Annual Pay-In-Full | None publicly documented. | None publicly documented. |
Association/Club Member | Club discounts available (e.g., for AAA or group-partners) up to 10%-20%. | Some partner discounts may apply (example: mention of “Enroll now & receive a 5% discount”). |
Employer Group | Up to 10% employee discount + multi-pet discount in employer-partner programs. | Not explicitly documented as a standard offering. |
Spot vs. Pets Best Pet Insurance Customer Experience
Spot delivers better customer experience than Pets Best, ranking second nationally for both dogs and cats compared to Pets Best's seventh-place ranking. Spot maintains consistent quality with an A+ BBB rating and 4.7 out of 5.0 Trustpilot score. Pets Best shows mixed results, earning a solid 4.0 out of 5.0 on Trustpilot but receiving an F BBB rating.
Spot vs. Pets Best Trustpilot ratings
Spot earns a higher Trustpilot rating at 4.7 out of 5.0 compared to Pets Best's 4.0 out of 5.0. These verified customer reviews indicate stronger overall satisfaction with Spot's service experience and claims handling.
Spot vs. Pets Best BBB ratings
Spot maintains an A+ BBB rating, while Pets Best holds an F rating and is not accredited. This significant difference reflects Spot's superior complaint handling and business transparency compared to Pets Best.
Spot vs. Pets Best Pet Insurance Reddit Sentiment
We analyzed Reddit discussions and found mixed results between the providers. Spot received 45% positive sentiment from 29 total comments, while Pets Best achieved 70% positive sentiment from 10 total comments, suggesting better customer perception despite fewer overall mentions.
Spot vs. Pets Best Pet Insurance Coverage
Pets Best offers better pet insurance coverage for dogs and cats than Spot, ranking sixth nationally while Spot ranks eighth. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but Pets Best has a shorter waiting period for accidents, more coverage selection flexibility and allows pet owners to change their coverage within the first 14 days of purchase.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ | ✓ |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
Various deductible options (e.g., $100, $250, $500) depending on plan. | Various deductible options (e.g., $100, $250, $500) depending on plan. | |
Options include multiple annual limits and unlimited in some states/plans. | Options include multiple annual limits and unlimited in some states/plans. | |
Up to ~90% reimbursement on covered vet bills in many plans. | Up to ~90% reimbursement on covered vet bills in many plans. | |
Standard waiting periods apply (state and plan dependent). | Standard waiting periods apply (state and plan dependent). | |
Age restrictions | No explicit upper age limit noted in many states/plans. | No upper age limit noted for many plans. |
Pre-existing conditions generally excluded (as with most providers). | Pre-existing conditions generally excluded; “curable” conditions may become eligible after symptom-free period in some states. | |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Spot vs. Pets Best Pet Insurance Add-ons
If you’re looking to boost your pet’s financial protection beyond basic illness and accident coverage, both Spot and Pets Best offer optional wellness plans that address routine and preventive veterinary care.
Spot Pet Insurance Add-ons
- Preventive Care add-on: Covers routine services such as dental cleaning, vaccines, blood tests and more as optional enhancements to the standard base plan.
- Wellness plan options: Includes spay/neuter coverage, health certificates, deworming, microchipping, and enhanced reimbursements for preventive diagnostics — may vary by state and plan selection.
Pets Best Pet Insurance Add-ons
- Routine Care / Wellness Plans: Two tiers (for dogs and cats) that can be added to an accident & illness policy and cover exams, vaccinations, deworming, microchipping, and other preventive services.
- BestWellness or EssentialWellness add-on: Offers benefits like spay/neuter, annual exams, blood tests, and dental cleanings for a fixed annual benefit amount.
Spot vs. Pets Best Pet Insurance: Bottom Line
Choosing between Spot and Pets Best depends on your pet type and priorities. Pets Best delivers better coverage options and more affordable rates for cats at $27 per month for middle-aged felines. However, Spot provides superior customer service with an A+ BBB rating and 4.7 out of 5.0 Trustpilot score, plus better affordability for dogs at $49 monthly for middle-aged canines. Pet owners seeking comprehensive coverage should consider Pets Best, while those prioritizing customer experience and dog coverage will find Spot more appealing.
Spot vs. Pets Best Pet Insurance Comparison: FAQ
Compare Spot and Pets Best pet insurance through these common questions:
Which is cheaper: Spot vs Pets Best pet insurance?
Neither provider is consistently cheaper across all pet categories. Spot offers better rates for dogs, with middle-aged dogs costing $49 monthly versus Pets Best's $53. Pets Best wins for cats, charging $27 monthly for middle-aged cats compared to Spot's $30. Your pet's species and age determine the more affordable option.
Which has better customer service: Spot vs Pets Best pet insurance?
Spot delivers superior customer service, ranking second nationally for customer experience compared to Pets Best's seventh-place position. Spot maintains a 4.7 out of 5.0 Trustpilot score and an A+ BBB rating, while Pets Best holds a 4.0 Trustpilot score and an F BBB rating.
Which offers better coverage: Spot vs Pets Best pet insurance?
Pets Best offers better coverage than Spot, ranking second nationally compared to Spot's eighth-place ranking for both cats and dogs. Pets Best provides more comprehensive add-on options including dental illness coverage, behavioral therapy, and end-of-life care. Both providers cover standard benefits like diagnostics, medications, and chronic conditions, but Pets Best's broader selection of optional coverage allows for greater customization to meet your pet's specific needs.
Can I switch from Spot vs Pets Best pet insurance or vice versa?
Yes, you can switch between Spot and Pets Best anytime by canceling your current policy and buying a new one. However, new waiting periods will apply: typically 14 days for illnesses and up to 6 months for orthopedic conditions with both providers. Any conditions your pet had under the previous policy become pre-existing with the new insurer.
Does Spot vs Pets Best cover pre-existing conditions?
Neither Spot nor Pets Best covers pre-existing conditions initially. However, both companies may provide coverage for curable conditions after a waiting period. Spot considers coverage for curable pre-existing conditions after 180 consecutive days without symptoms, treatment, or medication. Pets Best offers similar coverage for curable conditions after they remain symptom-free for six months.
Can I get discounts with both Spot vs Pets Best pet insurance?
Yes, both Spot and Pets Best offer discounts to help reduce premium costs. Spot provides multiple discount options, including savings for military members, veterinary professionals, and multi-pet households. Pets Best offers fewer discount programs but includes multi-pet discounts and occasional promotional savings for new customers during specific enrollment periods.
What are the age limits for Spot vs Pets Best pet insurance?
Pets Best accepts pets from 7 weeks old with no upper age limit for enrollment. Spot requires pets to be at least 8 weeks old and limits enrollment to 14 years for dogs and cats. This makes Pets Best the better choice for senior pet owners who want coverage for older animals without age restrictions.
How We Scored Spot vs. Pets Best Pet Insurance
Evaluating Spot versus Pets Best required collecting quotes and analyzing policy details under identical conditions. We assessed both providers using the same pet profiles and coverage specifications:
- $5,000 annual limit
- 80% reimbursement rate
- $500 deductible
- 6-year-old Labrador Retriever for dog coverage
- 7-year-old Ragdoll for cat coverage
MoneyGeek scored each provider across three key factors weighted by their importance to pet owners.
Affordability (50% of score): We gathered quotes across all coverage combinations and pet ages to measure actual pricing, factoring in applicable discounts to estimate real premiums.
Customer Experience (30% of score): We reviewed Trustpilot ratings and analyzed online sentiment to gauge customer satisfaction with claims and support.
Coverage (20% of score): We assessed policy features, waiting periods and add-ons to determine which provider delivers more comprehensive protection for pet health.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.