Spot Pet Insurance, founded in 2019 and headquartered in Miami, has quickly become one of the most versatile pet insurers in the U.S. Underwritten by United States Fire Insurance Company (Crum & Forster, AM Best A rating), Spot offers something most competitors don't: a true menu of plans — accident-only, accident and illness, plus two tiers of preventive care — all available in every state with no upper age limit for enrollment.

• ✅ Full Plan Menu — Including Accident-Only: Spot is one of the few carriers to offer both a comprehensive accident-and-illness plan and a lower-cost accident-only plan, plus two wellness add-ons (Gold at $250/year and Platinum at $450/year). That flexibility lets you match your budget to your pet's actual risk profile — start lean with accident-only and upgrade later, or go all-in with full coverage from day one.
• ✅ No Upper Age Limit — All Breeds Welcome: Spot enrolls pets starting at 8 weeks old with no upper age cap and no breed exclusions. That's a meaningful edge for senior pets, rescue adoptees, and breeds prone to hereditary conditions — all of which are covered just like any other illness, as long as they aren't pre-existing. Coverage is available in all 50 states, D.C., and Canada.
• ✅ Extensive Coverage With No Lifetime Caps: Spot's accident and illness plan includes vet exam fees, behavioral therapy, alternative therapies (acupuncture, chiropractic, hydrotherapy), dental illness, prescription medication and food, microchip implantation, and end-of-life care — all without per-incident or lifetime payout limits. Choose deductibles from $100–$1,000, reimbursement rates of 70%, 80%, or 90%, and annual limits from $2,500 up to Unlimited.
• ✅ 24/7 VetAccess Telehealth & Curable Pre-Existing Window: Every Spot policy includes VetAccess — unlimited 24/7 access to a veterinary professional via phone, chat, messenger, or video at no additional cost. Use it for after-hours questions before making that emergency run. Spot also covers curable pre-existing conditions as new occurrences after 180 symptom-free days (excluding knee and ligament conditions).
• ✅ Stackable Savings & Strong Customer Ratings: Save with a 10% multi-pet discount for each additional pet and earn up to $500/year through Spot's Refer-a-friend program. Ranked #2 nationally for customer experience, Spot combines a digital-first claims portal with a maturing service operation — and reimburses using a pet-owner-friendly method (deductible applied first, then reimbursement percentage on the remainder) that typically returns more money per claim than competitors.