Review and Costs of Spot Pet Insurance in 2024

Spot Pet Insurance is a top pet insurer in the United States, ranking at No. 6 on the list of the best pet insurance companies of 2024. Known for its customizable coverage options, Spot offers plans in all 50 states and Washington, D.C. While the average cost of a Spot pet insurance policy is slightly higher than the national average, the company provides a 10% multi-pet discount, making coverage more affordable for pet owners with multiple pets. With the rising costs of routine vet care, a Spot pet insurance plan could potentially save pet owners money on their pet’s healthcare expenses.

One of the standout features of Spot Pet Insurance is its coverage for behavioral issues and alternative treatments like acupuncture. The company does not have an upper age limit for enrollment, making it a great choice for pet owners with older pets. However, Spot’s customer service is only available on weekdays, which may be a drawback for some customers. In terms of ratings, Spot scored 4.4 out of 5 stars in a provider review, excelling in coverage, covered treatments, and availability but losing points in cost.

Pros of Spot Pet Insurance include the availability of five choices of annual deductibles, low-cost accident-only coverage for older or unhealthy breeds, and multiple annual limit coverage options, including an unlimited option. On the other hand, cons include the absence of a website chat feature, fewer years of industry experience compared to other providers, and a longer waiting period for accidents.

When it comes to cost, the average monthly premium for a Spot pet insurance policy is $51, with various customization options available to tailor the coverage to your budget and pet’s needs. Spot offers a 30-day money-back guarantee, refunding the initial premium if no claims are filed during that period. The cost of Spot pet insurance varies by breed and age, with prices increasing as the pet gets older.

Spot’s coverage includes accident and illness plans, with options for Gold and Platinum wellness add-ons for preventive care. The company earned praise for its customizable coverage levels, offering five deductible options, three reimbursement rates, and seven annual limits. Spot also provides coverage for a wide range of conditions and treatments, including alternative therapies, hereditary conditions, and behavioral issues.

The sign-up process for Spot Pet Insurance is straightforward, with the option to request a quote online or over the phone. Filing a claim with Spot is also relatively easy, with a user-friendly Member Center portal for tracking claims and accessing resources. However, some customers have reported longer processing times for claims reimbursement.

In conclusion, Spot Pet Insurance is a reputable provider with customizable coverage options and comprehensive plans. While there are some limitations, such as weekday customer service hours, Spot remains a top choice for pet owners looking for flexible and inclusive pet insurance coverage. Consider factors like your pet’s age, health history, and budget when deciding if Spot Pet Insurance is the right choice for you and your furry companion.