Spot Pet Insurance
Flexible coverage with customizable limits
ComprehensiveAccident Only
Est. monthly (dog)
~$44/mo
Est. monthly (cat)
~$30/mo
Reimbursement
70%, 80%, 90%
Annual deductible
$100–$500
Annual max
$2,500–Unlimited
Age range
8 weeks and up (no upper age limit)
Illness wait
14 days
Accident wait
2 days
✗ No coverage for pre-existing conditions
Praised for
- ✓Highly customizable plan: mix deductible, limit, and reimbursement freely
- ✓Covers dental illness, behavioral therapy, and alternative therapies
- ✓Optional preventive care add-on available with no waiting period
Watch out for
- ✗Some annual max tiers are capped (not all plans are unlimited)
- ✗6-month waiting period for orthopedic conditions
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