- Avg. monthly premium
- $38/mo
- Reimbursement
- 70/80/90%
- Annual limit
- $2.5k-Unlimited
- Waiting period
- 14 days illness
Why it stands out
Spot highlights
- Annual limits from $2,500 all the way to unlimited
- Optional wellness add-on covers vaccines, dental, and checkups
- Covers exam fees for accidents and illnesses
- No upper age limit to enroll an older pet
The verdict at a glance
Pros and cons
Pros
- Highly adjustable limits, deductibles, and reimbursement rates
- Wellness riders bundle preventive care into one premium
- Older pets can still enroll with no maximum age cap
Cons
- Curable pre-existing conditions need a 180-day symptom-free window
- Lower deductible tiers push the premium up quickly
Our full review
Our take on Spot
Spot lets you set the annual limit, deductible, and reimbursement rate independently, so a budget-minded owner and a spare-no-expense owner can both land where they want. Optional wellness plans fold routine vaccines and dental cleanings into the same bill.
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Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on Spot’s own site before you apply.
The alternatives
How Spot compares
Other top-rated insurers in Pet Insurance. Compare the numbers side by side before you decide.
| # | Provider | Rating | Avg. monthly premium | Best for | |
|---|---|---|---|---|---|
| 1 | Lemonade | $29/mo | Owners who want cheap premiums and fast payouts | Get Quote | |
| 2 | Healthy Paws | $42/mo | Owners who never want to hit an annual cap | See Rates | |
| 3 | Embrace | $35/mo | Owners of healthy pets who file few claims | See Rates | |
| 4 | Trupanion | $59/mo | Owners who can't front a big vet bill | Get Quote |
- Lemonade4.8Best for Owners who want cheap premiums and fast payouts
- Healthy Paws4.7Best for Owners who never want to hit an annual cap
- Embrace4.4Best for Owners of healthy pets who file few claims
- Trupanion4.3Best for Owners who can't front a big vet bill