Spot Pet Insurance Review (2026)
Spot is a US accident-and-illness pet insurance provider known for highly customizable plans and no upper age limits for enrollment — making it a flexible option for pets of any age.
What Spot covers
Spot's accident-and-illness plans cover injuries, illnesses, surgeries, diagnostics, and (notably) dental illness and behavioral conditions. You choose your annual limit, deductible, and reimbursement rate (up to 90%). Optional preventive-care add-ons cover routine items like vaccines and wellness exams.
Pros
- No upper age limit for enrollment — good for senior pets
- Covers dental illness and behavioral issues
- Flexible limits, deductibles and reimbursement (up to 90%)
- Optional wellness add-on for routine care
Cons
- Like all insurers, pre-existing conditions are excluded
- Pricing rises with pet age and breed
- Routine care requires a paid add-on
Who Spot is best for
Owners who want to fine-tune coverage, and those insuring older pets that some insurers won't accept.
How Spot compares
Premiums and coverage vary by pet, breed, age and your state — see how Spot stacks up against other insurers in our full comparison, or check average costs in your state.
Does Spot cover dental?
Spot covers dental illness under its accident-and-illness plans; routine cleanings require the preventive add-on.
Is there an age limit with Spot?
No upper age limit for enrollment, which is helpful for senior pets.