Spot Pet Insurance review

Spot publishes clear entry prices: cat insurance from $9 a month and dog insurance from $15 a month. The small print explains that the dog figure assumes 80% reimbursement, a $500 deductible and a $2,500 annual limit for a 2-year-old small mixed breed, so higher limits will cost more. You can choose an accident and illness plan or a cheaper accident-only plan, and reimbursement goes up to 90% at any licensed vet in the US or Canada. Accident and illness plans cover dental illness, hereditary and chronic conditions, behavioral treatment, prescription food for covered conditions and microchipping. A wellness add-on handles exams, vaccines, spay and neuter, and dental cleaning. Spot says claims are reimbursed in 48 hours or less, and it lists no upper age limit, no lifetime caps and no vet exam for enrollment. There is a 10% multi-pet discount and a 30-day money-back guarantee. Plans are underwritten by Independence American Insurance Company or United States Fire Insurance Company.

Who it is for

Owners who want a published price and the option of a cheaper accident-only plan.

Price

Cats from $9 a month and dogs from $15 a month.

Cat Insurance Starting from $9/mo
Quoted from the vendor pricing page on November 8, 2026.

Key features

• Accident and illness plans and a lower-cost accident-only plan
• Up to 90% reimbursement at any licensed vet in the US or Canada
• Covers dental illness, hereditary and chronic conditions, behavioral treatment and microchipping
• Optional wellness add-on for exams, vaccines, spay and neuter, and dental cleaning
• 24/7 pet telehealth helpline and Spot Perks discounts

Strengths and weaknesses

• Strength: Published starting prices for both cats and dogs
• Strength: No upper age limit and no lifetime caps
• Strength: Claims reimbursed in 48 hours or less, per Spot
• Weakness: Advertised dog price is based on a $2,500 annual limit
• Weakness: Pre-existing conditions are not covered
• Weakness: Wellness costs extra as an add-on

Key facts

• Starting price: Cats $9, dogs $15 a month
• Reimbursement: Up to 90%
• Vets: Any licensed vet in the US or Canada
• Multi-pet discount: 10% on each pet after the first
• Money-back period: 30 days

Where it ranks

Spot Pet Insurance is No. 6 in our Best Pet Insurance verdict.