Spot Pet Insurance
Founded in 2019. Available in 50 states. BBB rating: A.
Pricing by dog size
Monthly premium ranges for typical dogs. Actual pricing varies by breed, age, and ZIP code.
Small dogs
< 25 lbs
$20–$36/mo
Young dog
$36–$68/mo
Senior
Medium dogs
25–60 lbs
$26–$48/mo
Young dog
Large dogs
> 60 lbs
$36–$68/mo
Young dog
$55–$112/mo
Senior
Brachycephalic breeds
Bulldogs, Pugs, French Bulldogs, etc.
$40–$82/mo
Plan options
Coverage details
What Spot covers, and what costs extra or isn't included.
Waiting periods
Enrollment requirements
Pros and cons
Strengths
- ✓ Highly customizable plans
- ✓ Unlimited annual limit available
- ✓ Preventive care add-on
- ✓ No upper age limit
Weaknesses
- ✗ 14-day accident waiting period
- ✗ Add-ons increase cost
- ✗ Newer brand
Best for
- → customization seekers
- → multi-pet households
- → those wanting unlimited option
Less ideal for
- → those wanting all-inclusive without add-ons
- → impatient owners (14-day accident wait)
Frequently asked questions
How much does Spot cost?
Spot premiums start at $20/month for small young dogs and range up to $112/month for large senior dogs. Actual pricing depends on breed, age, and location.
Does Spot cover hereditary conditions?
Yes, Spot covers hereditary and breed-specific conditions.
What is Spot's waiting period?
Spot has a 14-day accident waiting period and 14-day illness waiting period. Orthopedic conditions have a 6-month wait.
Is there an age limit for Spot?
No, Spot has no upper age limit for enrollment.
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Last verified: 2026-05-12