Spot offers a comprehensive accident and illness plan, as well as accident-only coverage. It also sells an add-on wellness plan that includes dental cleaning, flea and heartworm prevention, spay and neuter procedures and vaccinations.
Its average rates for cats are slightly above the state average but its premiums for dogs are just below the Pennsylvania average in our analysis. However, there’s a 10% multipet discount, which will reduce your costs if you insure more than one dog or cat.
We like that the company’s comprehensive plan covers behavioral and alternative therapies, microchipping, end-of-life expenses, prescription food and supplements and other services. It also provides a 24/7 pet telehealth line.
You can choose from various coverage and reimbursement levels, with deductibles ranging from $100 to $1,000.
Spot doesn’t have a special waiting period for orthopedic or ligament conditions and it covers pre-existing conditions—excluding ligament and knee conditions—if they’re curable and if your pet has had no symptoms or treatment for 180 days.
However, Spot doesn’t have a direct-to-vet payment system and the only discount it offers is its multipet discount.