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.

State-level pricing reveals Pets Best dominates cat coverage affordability while Spot delivers better value for most dog owners. Arkansas offers the cheapest pet insurance rates from both providers across all age categories.

• Kittens: Pets Best costs $9 monthly in Arkansas compared to Spot's $10, saving you 8% on coverage for your new feline friend.
• Young cats: With Pets Best at $11 monthly versus Spot's $13, Arkansas cat owners under two years old save 14% monthly.
• Middle-aged cats: Pets Best charges $18 monthly in Arkansas, while Spot costs $22 monthly, delivering 12% savings during your cat's prime years.
• Senior cats: Pets Best's $45 monthly rate in Arkansas beats Spot's $50 monthly by 10%, helping manage rising veterinary costs for aging cats.
• Puppies: Spot offers cheaper coverage in Arkansas at $17 monthly compared to Pets Best's $18 monthly, providing 6% savings as your puppy grows.
• Young dogs: Spot charges $22 monthly in Arkansas versus Pets Best's $22, with Spot edging ahead by 3% for dogs under two.
• Middle-aged dogs: Spot's $33 monthly rate in Arkansas undercuts Pets Best's $36 by 8%, keeping costs manageable during active adult years.
• Senior dogs: In Arkansas, Spot delivers the biggest dog savings at $80 monthly compared to Pets Best's $89, offering 10% lower premiums when veterinary needs increase most.

Pets Best offers more pet insurance discounts than Spot, with four available savings opportunities compared to Spot's three. Both providers offer multi-pet and employer group discounts, but Spot delivers better value with 10% savings versus Pets Best's 5% for these categories. That said, Pets Best wins on military and veterinary staff discounts, offering 5% savings where Spot provides none.

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 specific policy documents to understand exact coverage terms, exclusions and limitations.

If you're looking to expand your base coverage, Spot offers an optional wellness plan that comes in two tiers: Gold and Platinum, covering routine care such as dental cleaning, wellness exams, vaccines, deworming, fecal tests, urinalysis, spaying/neutering, health certificates and flea/heartworm prevention.

On the other hand, Pets Best provides three optional add-ons:

• Wellness plan: Comes in two options (EssentialWellness and BestWellness) and covers wellness exams, vaccinations, blood work, fecal exams, urinalysis, heartworm tests, deworming, teeth cleaning and spaying or neutering.
• Exam fees: Reimburses vet exam fees associated with covered accidents and illnesses.
• Physical therapy: Provides coverage for rehabilitation, acupuncture and chiropractic care expenses related to an eligible condition.

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 and cheaper cat insurance should consider Pets Best, while those prioritizing customer service and more affordable dog insurance may find Spot more appealing.

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: