The Best Pet Health Insurance: Spot Pet Insurance Review in 2023

The 2019 debut of Spot Pet Insurance featured great coverage and two reasonably priced wellness plans. Additionally, the chairman of the business is none other than Cesar Millan from “The Dog Whisperer.” But is Spot worth taking into account as a newcomer in a field that is becoming more and more competitive? We thoroughly examine their policies, costs, claims procedure, level of customer service, and other aspects. Let’s find out what makes Spot become the Best Pet Health Insurance in this article below:

An Overview of Spot – Best Pet Health Insurance:

In our ranking of the Best Pet Insurance Companies of 2023, Spot Pet Insurance is the Best Pet Health Insurance and the highest-ranked business. For cats and dogs, the company offers two different types of pet insurance policies: one that only covers accidents, and the other that covers sickness as well. For a few circumstances, unlike some insurers, Spot’s coverage also includes exam price reimbursement. Choose between the Gold or Platinum preventative care packages if you’re seeking wellness plans. Both provide a portion of the cost of normal treatment, including wellness checks and dental cleanings, as well as trips to the veterinarian.

In order to provide thorough comparisons and information about how a provider performs versus competitors in the sector, our pet insurance experts read through the policy of each pet insurance company. To acquire a thorough, objective appraisal of a company’s performance, we also speak with clients, check online reviews, and directly interact with pet insurance providers.

Our staff awards points to pet insurance providers in accordance with a number of criteria, such as A.M. Best ratings (a sign of sound financial standing), claim handling repute, contract coverage, customer service, pricing, plan customizations, and other considerations.

What does Spot Pet Health Insurance cover? The 4 Main Types of Plans

1. Accident-only strategy:

This is the most affordable pet insurance option for Spot. It covers mishaps such wounds, ingested objects, and poisonous ingestions. It’s the best option for people on a tight budget who only need emergency coverage and don’t care about covering sickness or other ailments. It’s included:

  • When carried out or overseen by a qualified veterinarian, alternative therapies like hydrotherapy or acupuncture are acceptable.
  • Meals and supplements on prescription to treat a covered condition.
  • Medicines on prescription.
  • A stem cell procedure.
  • Hospital stays, surgeries, and examinations.
  • Extractions of teeth.

2. Accident and Illness Plan

This plan covers general illnesses, behavioral problems, dental conditions, and more in addition to the accidents covered by the Accident-Only Plan. As the most comprehensive option, it costs more than Accident-only coverage. It’s perfect for people who want full protection in case their pet becomes sick or has an accident. It’s included:

  • Stem cell treatment and acupuncture are examples of complementary medicine. An animal doctor must administer the treatment in a hospital setting.
  • X-rays, MRIs, and CT scans.
  • IV fluids, IV drugs, and prescription drugs.
  • Food and supplements on prescription to treat an ailment that is covered by insurance.
  • Hospitalization, surgery, and examinations.
  • Extractions of teeth.
  • Cancer therapies.
  • When carried out or recommended by a veterinarian, treatment for behavioral problems.
  • Implanting a microchip.
  • Genetic disorders.
  • Problems that were before but have been cured and without therapy for 180 days. This excludes any knee or ligament issues that already existed.

3. Gold preventative care plan:

You can purchase one of Spot’s preventative care plans if you need assistance paying for your pet’s regular maintenance and want to keep it healthy all year. The Gold plan has $250 in annual per-treatment limits and costs $9.95 more per month. The list of each covered vet service and its yearly benefit is provided below:

  • Cleansing of the teeth.
  • Annual tests.
  • Deworming.
  • Certain immunizations and screening exams.

4. Platinum preventative plan:

For an extra $24.95 a month, Spot’s more expensive wellness plan offers $450 in annual per-item limitations. The following therapies are included in it:

  • A blood test
  • The operation to spay or neuter.
  • Urinalysis.
  • Protection of fleas and heartworm.
  • A second round of vaccines.
  • For some services, the platinum plan gives larger coverage limitations than the gold plan.

What the Spot Pet Insurance Excludes?

Sadly, Spot’s accident and illness plan won’t pay for all medical costs. Some costs that are not covered include:

  • Existing conditions before
  • Daycare and boarding
  • Breeding, giving birth, nursing, or whelping
  • Cosmetic or elective operations
  • Any ailment or harm brought on by deliberate, malevolent, or careless behavior
  • Vitamins and supplements for maintaining or preventing disease

The Customer Experience When Using Spot- Best Pet Health Insurance:

  • Website: Spot’s user-friendly website enables users to enroll their pets and request a free quote. Additionally, it contains a comprehensive FAQ section that addresses numerous inquiries from users. For those who want a more in-depth look at their coverage options, the website provides sample policies.
  • App: Both Android and iOS users can download the Spot app. Customers can use the app to view their policy, submit a claim, and follow its progress.  
  • Claims: You can submit a claim through Spot’s mobile app or website. After the date of treatment, you have 270 days to submit a claim. When using Spot, you pay your veterinarian’s bills in full before submitting them for reimbursement. 
  • Contacting Spot customer care: It is possible from 8 a.m. to 8 p.m. Eastern time, Monday through Friday. Contact Spot at 800-905-1595. Additionally, you can send an email through the company’s contact page.


The estimates we obtained for Spot Best Pet Health Insurance were well above average, but it offers highly competitive coverage and a wide range of adjustable payment limits and deductibles. Spot is also a younger player in the pet insurance market, so we’d want to see them establish itself further. We advise requesting an estimate from Spot whether you’re searching for inexpensive plan options or coverage for microchipping, prescription diet items, and exam costs.

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