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21
Policies Evaluated
17
Companies Analyzed
8
Best Companies Selected
- Sample Premium for Dogs: $38.73
- Sample Premium for Cats: $17.18
No Upper Age Limit for Enrollment
Pros:
Two levels of optional wellness coverage available
Policyholders have the option of unlimited annual coverage
No upper-age limit for coverage or enrollment
Cons:
Fewer discounts available than some competitors
- App Available:
- Yes
- Maximum Enrollment Age:
- No Limit
- Money Back Guarantee:
- 30 days
To buy pet insurance from Spot, go to the company’s website, click on the ‘Click For Price’ or ‘Get a Quote’ button, and fill in the answers to a few questions. You’ll need to provide general information, such as whether you are insuring a dog or a cat and your pet’s age, gender, and breed.
Spot will insure kittens and puppies that are at least 8 weeks old. It doesn’t have an upper age limit for mature pets. As part of your quote request, you’ll have the option of adding information about additional pets for whom you’re seeking coverage. Spot will ask for your ZIP code and email as well. Once you’ve received your quote, you are not obligated to purchase insurance.
Spot has a 14-day waiting period across the board for cats and dogs. While some pet insurers have 6- to 12-month waiting periods for pets with hip dysplasia or cruciate ligament conditions, Spot’s waiting period for these conditions is 14 days.
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Company | Accident | Illness | Hip Dysplasia | Cruciate Ligaments | |
|---|---|---|---|---|---|
| Pets Best » | 3 days* | 14 days | 14 days | 6 months | |
| Embrace » | 48 hours | 14 days | 6 months** | 6 months | |
| Spot » | 14 days | 14 days | 14 days | 14 days | |
| Lemonade » | 2 days | 14 days | 14 days | 6 months | |
| Trupanion » | 5 days | 30 days | 30 days | 30 days |
* Pets Best: for Maine residents, there is no waiting period for accidents, a 14-day waiting period for illnesses, and a 30-day waiting period for cruciate ligament conditions. ** Embrace: the waiting period for orthopedic conditions may be reduced to 14 days through an orthopedic exam and waiver process. *** Figo: the waiting period for orthopedic conditions can be waived by submitting an orthopedic waiver within the first 30 days of coverage.
Spot offers two preventative care plans that cover some wellness expenses. The Gold Package costs an additional $9.95 per month and the Platinum Package is $24.95 per month.
Spot doesn’t cover preexisting conditions for pets. The company considers any symptoms related to an illness or accident that began prior to the pet’s enrollment in the insurance plan or during the policy’s waiting period to be pre-existing.
If, however, your pet hasn’t shown any signs of a previous condition for at least 180 days, the company will consider the pet cured and the condition will no longer be classified as preexisting. Ligament and knee issues are an exception, as they’re considered preexisting for the life of the pet and won’t be covered if they’re diagnosed before plan enrollment or during the waiting period.
Spot provides coverage for spaying/neutering in its Platinum Preventive Care add-on. Spaying/neutering isn’t covered by Spot’s basic plans or for those who’ve purchased the Gold Preventive Care package.
Dental cleanings are covered by Spot’s Gold and Platinum Preventive Care riders for either $100 or $150, depending on the rider. Spot’s standard Accidental & Illness and Accident policies, however, won’t cover dental cleanings.
Spot’s customer service phone line is available Monday through Friday from 8 a.m. to 8 p.m. EST.
Spot’s policies have annual coverage limits ranging from $2,500 to $10,000 as well as the option of choosing unlimited annual coverage.
Yes. Spot’s annual deductible can be chosen as part of your elected insurance coverage.
Claims can be submitted by filling out a form on the website. If Spot requires medical records, they will contact your veterinarian directly. Customers have 270 days from the date of treatment to file a claim.
Spot generally takes about a week to process a claim, though it can sometimes take longer. If you need to appeal a claim, it could take about 30 days.
Customers can contact the company by phone to cancel a policy at any time.
