The Pet Insurance Guide

Overall Personalized Rating: 4.6/5 (Excellent)

Overall Personalized Rating: 4.6/5 (Excellent)


Founded in 2020, Spot aims to provide quality care to all pets under their policy. With their chairman Cesar Millan, famous for his dog training television show "Dog Whisperer," their focus is on the health and safety of all pets they insure.

Key Benefits

  • Keeps your pet covered for a wide variety of procedures
  • Low prices
  • Convenient online experience and claims filing

Ratings Summary

Ratings Highlights

Overall Rating
Spot has generally inexpensive rates with a variety of plans available to choose from. Along with their customizable plans, Spot's website and app are both user-friendly and their 24/7 pet helpline is a useful service for any pet owner.
Spot's prices tend to be inexpensive, depending on the plan chosen. It's a good option for those prioritizing affordability.
Coverage Offered
Spot offers coverage for a variety of treatments and procedures, though their Gold and Platinum plans do differ. Unlike most providers, Spot offers not only an Accident and Illness plan, but an Accident Only plan as well, which could save some money for those most concerned about their pet getting injured.
Pets Covered
Spot currently covers dogs and cats.
Reimbursement Percent and Deductibles
Spot offers reimbursements at 70, 80, and 90%, and allows deductibles ranging from $100 to $1000.
Online Experience
Spot's interface is user-friendly and allows for easy claims filing, both on their site and on their app.
Other Services
Spot offers a multiple pet discount, giving 10% off per pet added after the first one. They also provide a 24/7 helpline for customers to call with questions about their pet's health.

Company Background

SPOT is a pet insurance provider based in Florida. They aim to offer pets longer, more fullfilling lives with their owners by providing quality healthcare support to each pet they serve.

The Pet Insurance Guide's Reviews Methodology

The Pet Insurance Guide uses a proprietary algorithm to evaluate the pet insurance options presented. The factors we review and rate include pricing, deductible and reimbursement options, breadth of coverage, user experience, discounts, and additional services offered. These factors are evaluated and scored to provide an accurate overall rating for the carrier. We also provide comprehensive reviews of each carrier so our users can find the perfect match for their individual needs. Through hours of research, our team has gathered this invaluable data and perspective to ensure that our ratings and reviews are in-depth, honest, and most of all, helpful to pet owners. Use of The Pet Insurance Guide’s 2022 reviews by third parties without the express written consent of The Pet Insurance Guide is strictly prohibited.