Overview
Spot was launched in 2019 by Robin Williams Pet Insurance Agency, underwritten by Crum & Forster (same as Embrace and ASPCA). Spot's hook is highly customizable plans with very low deductibles available ($100) and a wider range of annual caps. Their preventive add-on bundles wellness into the same policy.
Plan-wise, Spot covers everything you'd expect from a mid-market plan: hereditary, congenital, dental illness, behavioral, alternative therapies. Reimbursement up to 90%. Annual maxes from $2,500 to unlimited.
Spot is a newer brand without the long-term customer satisfaction data of Healthy Paws or Trupanion. The underwriter is solid, the plan is competitive. Pick this one if you've shopped Embrace and ASPCA and the Spot pricing comes in lower for your specific pet.
Owners who want Embrace-quality plans with a slightly different brand and pricing structure.
✓ Strengths
- →Highly customizable plan tiers
- →Same 14-day waiting period across the board (no long orthopedic wait)
- →Optional preventive package
- →10% multi-pet discount
- →Solid underwriter (Crum & Forster)
⚠ Drawbacks
- →Newer brand — less long-term reputation data
- →Customer service reviews mixed
- →14-day accident waiting period (Lemonade is 2 days)
- →Smaller name recognition than ASPCA
Pricing on Long Island
Preventive add-on: $9-$25/month
Plan structure
What's covered
Our take
Skip Spot Pet Insurance if: Owners who specifically want brand recognition (try ASPCA instead) or vet-direct payment (Trupanion).
Pick Spot Pet Insurance if: Comparison shoppers — if Spot quotes lower than Embrace for your specific pet, take it.
Fine print to know
- Same underwriter as Embrace and ASPCA — financial backing is identical.
- Preventive plan is allowance-based.
- Multi-pet discount applies after the second pet.
Get a real quote for your pet
Pricing varies by breed, age, and ZIP. Always quote on the carrier's own site.
Visit Spot Pet Insurance →We don't take commissions from insurers. This is an independent review.