Spot Pet Insurance
$15–$75/month
Spot Review Summary
Spot Pet Insurance, underwritten by the ASPCA (Chubb Insurance), offers one of the most flexible plan structures in the industry. With six annual limit options, four deductible levels, and three reimbursement tiers, you can build a plan that precisely matches your budget and risk tolerance. Their unlimited annual limit plans are competitively priced compared to Embrace and Trupanion. Coverage includes hereditary and congenital conditions, dental illness, and exam fees — a stronger baseline than Lemonade. The main gaps are behavioral therapy and alternative medicine (acupuncture, hydrotherapy), which matter for breeds prone to anxiety or orthopedic conditions. Claims processing is slower than Lemonade — expect 10-20 days for complex claims.
Pros & Cons
✅ Pros
- ✓Highly customizable — choose your deductible, reimbursement, and annual limit
- ✓No upper age limit — can enroll senior pets
- ✓Covers exam fees and dental illness
- ✓Microchip implantation covered under wellness
- ✓Affordable for high-coverage plans
⚠️ Cons
- ✗No behavioral therapy coverage
- ✗No alternative therapy coverage
- ✗Customer service reviews are mixed
- ✗Claims can take 2-3 weeks
Coverage Details
| Monthly Premium | $15–$75 |
| Annual Deductible | $100–$500 |
| Reimbursement Options | 70%, 80%, 90% |
| Annual Limit Options | $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited |
| Accident Waiting Period | 2 days |
| Illness Waiting Period | 14 days |
| Age Limit | None |
| Hereditary Conditions | ✓ Covered |
| Bilateral Conditions | ✓ Covered |
| Dental Illness | ✓ Covered |
| Exam Fees | ✓ Covered |
| Behavioral Therapy | ✗ Not covered |
| Cancer Treatment | ✓ Covered |
| Alternative Therapies | ✗ Not covered |
| Wellness Add-on | ✓ Available |
| Breed Exclusions | ✓ No breed exclusions |
What's Covered
- ✓ accidents
- ✓ illnesses
- ✓ hereditary conditions
- ✓ congenital conditions
- ✓ cancer
- ✓ orthopedic conditions
- ✓ dental illness
- ✓ exam fees
- ✓ prescription medications
- ✓ microchip (wellness)
What's Excluded
- ✗ pre-existing conditions
- ✗ behavioral therapy
- ✗ alternative therapy
- ✗ elective procedures
- ✗ breeding costs
Best For
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