The cost for basic SPOT pet insurance is customizable. You decide how much money SPOT will reimburse you after using their service, as well as the deductible and annual limit.
You also get to decide if you want accident-only coverage. Accident-only coverage is significantly less expensive than accident and illness coverage.
Let’s use an example to illustrate this point. Let’s say you have a golden retriever who’s four years old. If you choose the lowest annual limit ($2500), with 70% reimbursement and a $100 deductible, your monthly fee for an accident and illness plan will be $70.08.
But what if you just want accident-only coverage for your pet? With all the other parameters the same, SPOT’s monthly fee is $25.37.
Since you get to customize these packages to your liking, you’ll be able to find a plan that fits your needs with SPOT. Whether you’re worried about ailments or accidents, you’ll find a way to insure your pets for what worries you the most!
The Gold package, which covers preemptive care like dental cleanings and check-ups, is an additional $9.95 per month. The Platinum package, which covers everything in the Gold package and more, is an additional $24.95 per month.
Adding more than one pet to your plan reduces costs as well. SPOT has discounts for pet owners who sign more than one pet up for insurance.