Compare Pet Insurance Providers

Dive into our comprehensive pet insurance comparison to see how Spot's offerings measure up against other providers. Our guide simplifies comparing pet insurance, highlighting key differences and benefits. Discover the crucial factors that set Spot plans apart in the pet insurance landscape, helping ensure you make an informed decision for your pet's health and well-being.

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What To Consider When Looking At Pet Insurance Options?

Choosing pet insurance involves comparing key factors including policies, coverage differences, claim eligibility, and reimbursement rates. Understanding these factors is crucial when determining the coverage and cost-effectiveness of your pet's health care, as these differences can greatly influence the coverage of your claims and the reimbursement amount after veterinary visits. When looking at pet insurance, consider the following:



Spot offers two main plans: Accident & Illness coverage, addressing a broad range of health concerns, and the Accident Only plan, catering specifically to unexpected injuries. Spot also offers optional preventive care plans with coverage available for routine exams, dental cleanings, and spaying or neutering.


Spot's insurance plans incorporate a deductible, a predetermined amount that must be paid before coverage applies to eligible veterinary expenses. As a policyholder you retain the ability to select the deductible amount, tailoring the plan to align with your preferences and financial considerations.


Spot offers reimbursement rates of 70%, 80%, or 90% on eligible vet bills. You’ll need to meet your deductible first before reimbursements are paid out. Allowing you to choose the reimbursement amount, gives you the added flexibility to customize your plan to best fit your pet health and budget needs.

Pre-existing Conditions

We don't cover pre-existing conditions, and typically, neither does anyone else. However, unlike some other pet insurance providers, Spot plans can cover curable, pre-existing conditions, as long as they are treatment and symptom free for at least 180 days, excluding pre-existing knee and ligament conditions.

Competitor Comparison

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No Upper Age Limit

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Exam Fees

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Behavioral Issues

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Preventive Care

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Prescription Foods

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Alternative Therapies

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Chronic Conditions

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One Annual Deductible

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Hereditary & Congenital Conditions

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Dental Illness

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Multi Pet Discount

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30-Day Money Back Guarantee

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Comparison information is provided using publicly available information as of 3/2/24 and is only meant to summarize program features, not a specific plan. Review each provider’s plan terms for more details. The descriptions of other providers’ plans were not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. Although we attempt to keep information up to date, it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing

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Spot Plans for Pets

See how Spot plans stack up against those of other pet insurance providers.

Side-by-side comparison²

Spot Plansvs.Healthy Paws Plans

Behavioral Issues

our featured pet

Meet Benji

British short hair, 5 years old, furniture destroyer


Spot plans cover behavioral problems with symptoms like excessive chewing and aggression.


Spot plans include coverage for microchip implantation by a veterinarian.

Not Included

Healthy Paws plans don't cover behavioral problems

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Healthy Paws plans don't have microchip implantation coverage.

We Take Care of Our Pack

Enjoy unique discounts on curated pet products, 24/7 access to a dedicated pet telehealth helpline, and a rewarding Refer-a-Friend program that can reward you up to $500 per year.*

Spot Perks

As part of our mission to help pets lead happier and healthier lives, we’ve sourced the best deals for you and your pet.

  • Discounts on Pet Products and Services
  • Curated list of offers for easy access
  • Variety of Brands and Services

24/7 Pet Telehealth Helpline

Get unlimited, 24/7 virtual pet care for everything from nutrition advice to behavioral guidance for your pet.

  • Access to 24/7 vet experts
  • Call or chat options available
  • Ask any question about your pet’s health


Spot has a rewarding Refer-a-friend program that can reward you up to $500 per year* by referring your friends.

  • Earn Rewards
  • Help your friends
  • Simple and hassle-free

*Amazon Gift Card offer is subject to eligibility terms and is not available to residents of LA, MA, MI, MS, MT, NM, RI, SD, and WA. No purchase necessary. See full terms.

Pet Insurance FAQs

Have questions about pet insurance and how it works? Don’t worry, we’ve got you covered.

How are My Pet Insurance Premiums Calculated?

In general, your premium is based on your pet’s age, your pet’s breed, and where your pet lives. Some other factors that impact your premium are: the plan you choose, your deductible, your reimbursement percentage, if you have included preventative care coverage or not, and the discounts for which you are eligible.

What is a Pre-Existing Condition?

A pre-existing condition is any injury or illness which occurs or shows symptoms before coverage starts or during a waiting period. A condition is considered pre-existing whether or not it’s been officially diagnosed or treated; all that matters is when it occurred or symptoms first displayed. Plans provided by Spot do not cover pre-existing conditions. However, with pet insurance plans provided by Spot, this doesn’t mean the condition can’t be covered in the future if the condition is curable. An injury or illness that is curable, cured, and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.

Can I Get Reimbursed for Routine Teeth Cleanings?

Base level plans provided by Spot do not cover routine teeth cleanings.

However, Spot accident & illness plans cover treatments for dental illnesses. The only treatment covered for dental accidents is tooth extractions.

To get reimbursed on routine cleanings for your dog or cat’s general wellbeing, you’ll need to add preventive coverage to your base plan for a little extra cost per month.

What is the Best Age to Insure My Pet?

Plans provided by Spot don’t have an upper age limit for new enrollments or coverage. We advise all pet parents to insure their pets at a young age. You can enroll your pet in a plan from Spot as soon as they’re 8 weeks old. Don’t let your pet develop a “pre-existing condition” before they’re insured.

Does Pet Insurance Cover Exam Fees?

Not all pet insurances cover exam fees. Spot plans cover exams for covered conditions. Routine wellness exams are not covered by base level plans provided by Spot, and they are only covered under Spot’s Preventive Care plans, which you can add on to your base level plans for a little extra cost.

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