Spot pet insurance sells plans for cats and dogs nationwide. It has two main plans: accident and illness, and accident-only. Spot has no upper age limit for pets; customers can opt for unlimited annual payouts.

Spot also offers two preventive care plans to add to your pet’s policy. These plans reimburse you for expenses, such as wellness exams and dental cleanings, up to your coverage limit.

Note: Coverage options and availability may vary depending on where you live and the age and breed of your pet.

Spot pet insurance
4.5NerdWallet rating 
Spot earned 4.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, coverage options and financial strength ratings.

Based on this rating, Spot is on NerdWallet's list of Best Pet Insurance Companies.

State availability
Spot is licensed to sell pet insurance in all 50 states and Washington, D.C.

Spot pet insurance plans
Spot pet insurance offers the following three types of coverage.

Accident and illness
Spot’s accident and illness plan covers your dog or cat if they sustain injuries such as bites, cuts or broken bones. This plan will also cover treatment for cancer, urinary tract infections or other illnesses.

Accident-only
Spot’s accident-only plan covers unexpected injuries but does not provide coverage for illness.

Additional preventive care plans
You can add a preventive care package to either of the plans above. In addition, Spot offers two preventative care options: gold and platinum.

The gold option is more affordable and covers services such as dental cleanings, wellness exams and deworming. Spot’s platinum care option has higher limits and adds coverage for flea and heartworm prevention and certain screening tests.

What Spot pet insurance covers
Spot’s standard accident and illness policy covers the following:

Alternative therapy like acupuncture and stem cell therapy. The treatment must be conducted by a veterinarian at a medical facility.

MRI or CT scans and X-rays.

IV fluids, IV medications and prescription medication.

Prescription food and supplements to treat a covered medical condition.

Exams, surgery and hospitalization.

Tooth extractions.

Cancer treatments.

Treatment for behavioral issues when conducted or prescribed by a veterinarian.

Microchip implantation.

Hereditary conditions.

Pre-existing conditions that have been cured and treatment-free for 180 days. This does not include pre-existing knee or ligament conditions.

Spot’s accident-only plan covers the following:

Alternative therapy, such as acupuncture or hydrotherapy, when performed or supervised by a licensed veterinarian.

MRI or CT scans and X-rays.

IV fluids, IV medications and prescription medication.

Prescription food and supplements to treat a covered condition.

Stem cell therapy.

Exams, surgery and hospitalization.

Tooth extractions.

Microchip implantation.

Spot’s gold preventive plan covers the following:

Dental cleanings.

Annual exams.

Deworming.

Certain vaccinations and screening tests.

Spot’s platinum preventive plan covers everything the gold plan does, plus:

Blood tests.

Spay or neuter surgery.

Urinalysis.

Heartworm and flea prevention.

Additional vaccinations.

The platinum plan also offers higher coverage limits than the gold plan for certain services.

» MORE: What is pet insurance, and what does it cover?

What’s not covered
Spot’s accident and illness plan doesn’t cover the following:

Aesthetic, cosmetic, endodontic or orthodontic dental services.

Anal sac expression or resection.

Costs associated with breeding or pregnancy.

Pre-existing conditions that occur during the waiting period or before you bought your policy, unless symptom-free for at least 180 days.

Prescription food or supplements that don’t treat a covered condition.

Funeral services.

Experimental treatment.

Illness or injury due to mistreatment, racing or organized fighting.

Spot’s accident-only plan will not cover the above or treatment for any illness.

Spot’s preventive plans won’t pay for anything other than the wellness services listed in the coverage section above.

Spot coverage options
Deductibles: A deductible is an amount you must pay before your plan reimburses you for vet expenses. For Spot’s accident and illness plan and accident-only plan, deductible options are $100, $250, $500, $750, and $1,000 per year. Preventive care plans do not have a deductible.

Reimbursement amounts: After you meet your annual deductible, Spot pet insurance will reimburse you for a certain percentage of your vet expenses up to your coverage limit. For both of Spot’s main plans, you may choose a 70%, 80% or 90% reimbursement percentage. Reimbursement percentages don’t apply to preventive care plans.

Coverage limits: Spot’s annual coverage limits range from $2,500 to unlimited.

Restrictions and waiting periods
Age restrictions: Spot has no upper age limit and will insure pets 8 weeks or older.

Waiting periods: A waiting period is the time between when you buy your policy and when your coverage starts. Spot pet insurance has a waiting period of 14 days.

Discounts
Spot offers a 10% multi-pet discount.

» MORE: Is pet insurance worth it?

Consumer experience
Website: Spot offers an easy-to-navigate website that allows consumers to get a free quote and enroll their pet right from the site. It also has a full FAQ page that answers customers' questions. In addition, the website has sample policies for those who want a more detailed look at their coverage options.

App: Spot’s app is available for both Android and iOS. Customers can use it to view their policies, find vet clinics, and file and track claims. However, the app’s poor user ratings suggest it’s not always a seamless experience.

Claims: You can file a claim from Spot’s website or mobile app. You have 270 days from the date of treatment to file a claim. With Spot, you pay your vet bills upfront, then submit your bills to the company for reimbursement.

Customer service: You can contact Spot customer service Monday through Friday, 8 a.m. to 8 p.m. Eastern Standard Time. Spot’s phone number is 800-905-1595.