reimbursement70%, 80%, or 90%
Best for: Owners of older pets or breeds prone to orthopedic issues who want no extended orthopedic waiting period.
Insurer review
Spot Pet Insurance review
Best for: Owners of older pets or breeds prone to orthopedic issues who want no extended orthopedic waiting period.
Coverage terms at a glance
| Annual limits | $2,500 – Unlimited |
|---|---|
| Reimbursement | 70%, 80%, or 90% |
| Deductible | $100 – $1,000 annual |
| Waiting periods | 14 days accidents and illnesses, no extended orthopedic waiting period |
Highlights
- No upper age limit — seniors can enroll
- Accident-only plan option for bare-bones coverage
- Exam fee coverage included in accident & illness plans
Pros and cons
Pros
- No special waiting period for cruciate ligaments or hip dysplasia
- Covers exam fees, behavioral issues, and microchipping
- Unlimited annual limit option
- 10% multi-pet discount
Cons
- 14-day accident waiting period is longer than competitors (2–3 days is common)
- Premiums above average for comparable coverage
- Wellness plans are reimbursement-capped add-ons, not true insurance
- Rate increases can be steep at renewal
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Related reading
Spot Pet Insurance FAQ
How much does Spot Pet Insurance cost per month?
We don't publish a price for Spot Pet Insurance, because there isn't one — premiums are filed by ZIP code and priced on your dog's age, breed, and medical history, plus the deductible and reimbursement you choose. Spot Pet Insurance is rated here on its published coverage terms, not on price. For the industry baseline to compare a quote against, see our US pet insurance cost page, and request a quote directly for your own dog.
What are Spot Pet Insurance's waiting periods?
14 days accidents and illnesses, no extended orthopedic waiting period
What reimbursement does Spot Pet Insurance offer?
Spot Pet Insurance offers reimbursement options of 70%, 80%, or 90%, with annual limits of $2,500 – Unlimited and deductible options of $100 – $1,000 annual.