Spot Pet Insurance review

Spot balances price and coverage better than most insurers on this list. Cat plans start at $9 a month and dog plans at $15 a month, though Spot notes the dog figure is based on an 80% reimbursement rate, a $500 deductible and a $2,500 annual limit for a 2-year-old small mixed breed. You can choose an accident-only plan or an accident and illness plan, then set the annual limit, deductible and a reimbursement rate of up to 90%. Hereditary, congenital and breed-specific conditions are covered with no breed exclusions, and behavioral modification is included. Spot says claims are reimbursed in 48 hours or less and take about 30 seconds to submit online. There is no upper age limit, no lifetime cap and a 30-day money back guarantee, and you can use any licensed vet in the US or Canada. Wellness exams, vaccines and dental cleanings need the paid wellness add-on.

Who it is for

owners who want fast claims and no age limit

Price

From $9 a month for cats and $15 a month for dogs.

Cat Insurance Starting from $9/mo
Quoted from the vendor pricing page on November 12, 2026.

Key features

• Accident-only and accident and illness plans, plus an optional wellness add-on
• Up to 90% reimbursement with customizable annual limits and deductibles
• Claims reimbursed in 48 hours or less, submitted online in about 30 seconds
• Covers hereditary, congenital and breed-specific conditions with no breed exclusions
• Behavioral modification and a 24/7 pet health helpline

Strengths and weaknesses

• Strength: No upper age limit and no lifetime caps
• Strength: 30-day money back guarantee
• Strength: Visit any licensed vet in the US or Canada
• Weakness: The advertised $15 dog premium assumes a $2,500 annual limit and a $500 deductible
• Weakness: Wellness coverage costs extra
• Weakness: Premiums can rise with your pet's age at renewal

Key facts

• Starting price: $9/mo cats, $15/mo dogs
• Reimbursement: Up to 90%
• Claim payout: 48 hours or less
• Age limit: None

Where it ranks

Spot Pet Insurance is No. 4 in our Best Pet Insurance verdict.