Spot Pet Insurance
Spot Pet Insurance is a digital-first managing general agent offering accident-only and accident-and-illness insurance plans for dogs and cats across the US and Canada, underwritten by third-party carriers. The platform delivers self-serve quotes, mobile claims, 48-hour reimbursements, and a 24/7 telehealth helpline to individual pet owners.
- Company typePrivate
- Founded2019
- HeadquartersWest Palm Beach, United States
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Spot Pet Insurance does
Spot Pet Insurance Services, LLC is a privately held, Delaware-incorporated managing general agent and insurance producer offering digital-first pet insurance for dogs and cats. The company operates as the distribution and customer-facing layer for policies underwritten by Independence American Insurance Company and United States Fire Insurance Company, with policy administration handled by PTZ Insurance Agency Ltd. Operational headquarters are in Miami, FL, with additional offices in West Palm Beach, Scottsdale (underwriter), Morristown (underwriter), and Akron (administrator). The platform serves individual pet owners across the United States and Canada.
The company's core offering is a modular insurance product architecture: Accident-Only and Accident-and-Illness plans (entry-level priced at $15/month for dogs and $9/month for cats) with optional tiered Preventive Care/Wellness add-ons (Gold/Basic and Platinum/Prime). The technology stack is a digital-first, self-serve platform with a website quote tool, a mobile app, and a 30-second online claims submission process that delivers direct deposit reimbursement in 48 hours or less. Differentiators include no network restrictions (any licensed US or Canada vet), no upper age limit, no lifetime caps, no vet exam requirement for enrollment, and a 24/7 pet telehealth helpline included with all plans. Brand recognition is established through Forbes, MarketWatch, and Trustpilot coverage.
The business model is subscription recurring premium revenue, with pricing varying by pet age, breed, species, and geography. The company generates customer acquisition through digital channels (paid social, SEO, content marketing, organic social across Instagram/Facebook/TikTok/YouTube/LinkedIn/X), an inside sales phone line (1-800-905-1595), and an employer benefits channel offering up to 20% employee discounts. The Spot Perks program extends customer value through discount partnerships with brands including Basepaws, Whisker, Rover, DogTV, Smalls, Furbo, Koala, and Maven. A 10% multi-pet discount (5% in Washington) drives family unit expansion. From 2019 to 2024, the company has covered over $530 million in cumulative vet bills, indicating a multi-year scaled operating history, though precise policy count, revenue, employee headcount, and funding history are not publicly disclosed.
Spot Pet Insurance firmographics
Firmographics- Name
- Spot Pet Insurance
- Legal name
- Spot Pet Insurance Services, LLC
- Website
- https://spotpetins.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Spot Pet Insurance is a digital-first managing general agent offering accident-only and accident-and-illness insurance plans for dogs and cats across the US and Canada, underwritten by third-party carriers. The platform delivers self-serve quotes, mobile claims, 48-hour reimbursements, and a 24/7 telehealth helpline to individual pet owners.
- Ownership category
- akta.pro rank
Spot Pet Insurance industry classification
Industry- Product category
- Pet Insurance
- NAICS
- Insurance Agencies and Brokerages (524210), Direct Insurance (except Life, Health, and Medical) Carriers (52412)
- SIC
- Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)
- akta.pro primary industry
- Pet Insurance (FSAJAKAG)
- akta.pro secondary industry
- Accident & Supplemental (Non-Life) Insurance (FSAJAKAA)
Keywords
Where Spot Pet Insurance is headquartered
LocationHeadquarters
- HQ city
- West Palm Beach
- HQ country
- United States
- HQ region
- North America
Offices5 records
Markets served
Spot Pet Insurance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Pet Insurance Premiums: Subscription-based pet insurance with accident-only and accident-and-illness plans. Premiums are based on pet age, breed, species, and geographic location. Optional preventive care/wellness add-on available for additional cost.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Dog Insurance - Starting from $15/mo |
| Subscription | Monthly | Cat Insurance - Starting from $9/mo |
| Subscription | Monthly | Accident-Only Plans |
| Subscription | Monthly | Accident and Illness Plans |
| Subscription | Monthly | Preventive Care Add-on (Gold/Basic) |
| Subscription | Monthly | Preventive Care Add-on (Platinum/Prime) |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels10 records
Spot Pet Insurance product offering
Product offeringCore offering
Spot Pet Insurance sells subscription-based pet health insurance plans for dogs and cats, offered directly to consumers via a digital-first platform. Core products include Accident-Only plans and Accident and Illness plans with up to 90% reimbursement, plus an optional Preventive Care/Wellness add-on. Plans are customizable by deductible, reimbursement level, and annual limit, with no network restrictions, no upper age limit, no lifetime caps, and no required vet exam for enrollment.
Product overview
Spot Pet Insurance is a digital-first pet insurance platform offering customizable coverage for dogs and cats through a modular product architecture. The core offerings consist of Accident-Only and Accident-and-Illness plans, with optional Preventive Care/Wellness add-ons available in tiered options (Gold/Platinum and Basic/Prime). The product lineup includes specialized Dog Insurance and Cat Insurance plans starting at $15/month and $9/month respectively, plus Puppy Insurance and Kitten Insurance for pets 8 weeks and older. Additional features include a 24/7 Pet Telehealth Helpline, a mobile app for claims submission with direct deposit reimbursements, and the Spot Perks discount program. The platform allows enrollment without vet exams, has no network restrictions (any licensed U.S. or Canada vet), no upper age limit, no lifetime caps, and offers up to 90% reimbursement on covered vet bills.
Differentiator
Problem solved
Functional benefit
Products and services
- Accident-Only Plan
Quantifiable outcome
- Claims reimbursed in 48 hrs or less
- +3 more outcomes
Companies that use Spot Pet Insurance
Customer profileSegments3 records
Ideal customer profiles2 records
Spot Pet Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Spot Pet Insurance partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered minor and core.
- BasepawsminorSpot Perks partner offering $20 off pet DNA test kit as part of member discount program
- Whisker (Litter-Robot)minorSpot Perks partner offering $50 off Litter-Robot 4 as part of member discount program
- RoverminorSpot Perks partner offering $20 off first-time pet sitting as part of member discount program
- DogTVminorSpot Perks partner offering 35% off annual subscription as part of member discount program
- SmallsminorSpot Perks partner offering 20% off first three orders as part of member discount program
- FurbominorSpot Perks partner offering $55 off Furbo pet cam as part of member discount program
- KoalaminorSpot Perks partner offering $50 off 6 Month Membership as part of member discount program
- MavenminorSpot Perks partner offering 20% off membership as part of member discount program
- Independence American Insurance CompanycoreInsurance underwriter for Spot Pet Insurance policies (NAIC #26581). Located in Scottsdale, AZ.
- United States Fire Insurance CompanycoreInsurance underwriter for Spot Pet Insurance policies (NAIC #21113). Located in Morristown, NJ.
- PTZ Insurance Agency LtdcorePolicy administrator for Spot Pet Insurance (NPN: 5328528). Domiciled in Illinois with offices in Akron, Ohio.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
Spot Pet Insurance competitors and assessment
Company assessmentEmerging players
- FIGO Pet Insurance: Direct-to-consumer pet insurance peer offering accident-and-illness coverage with no lifetime caps. Comparable to Spot on digital-first UX, customizable coverage, and lack of network restrictions, though smaller in scale.
- Lemonade Pet Insurance: Tech-forward insurance carrier that has expanded into pet insurance alongside its core renters and home offerings. Comparable to Spot on digital-first UX and rapid claims experience, but competes from a broader insurance portfolio with substantial capital.
Direct peers
- Pets Best Pet Insurance: Direct pet insurance peer offering accident-only and accident-and-illness plans with optional wellness add-ons. Comparable to Spot on multi-tier plan structure, customizable coverage, and D2C acquisition.
- Healthy Paws Pet Insurance: Direct pet insurance peer offering accident, illness, and hereditary condition coverage for dogs and cats. Comparable to Spot on unlimited lifetime benefits, no network restrictions, and D2C digital funnel.
- Trupanion: Direct pet insurance peer offering accident-and-illness coverage for cats and dogs with lifetime per-condition deductibles. Closest comparable to Spot on product structure (veterinary-bill reimbursement model) and digital-first customer experience.
- Embrace Pet Insurance: Direct pet insurance peer offering customizable accident-and-illness plans with optional wellness rewards add-on. Directly comparable to Spot on customizable coverage, multi-pet discounts, and D2C acquisition model.
- Fetch (formerly Petplan): Direct pet insurance peer offering comprehensive accident-and-illness plans with optional wellness add-on. Comparable to Spot on product breadth, digital experience, and US market positioning.
- ASPCA Pet Health Insurance: Direct pet insurance peer operated by Crum & Forster underwriter, offering accident-only and accident-and-illness plans. Comparable to Spot in product structure and US D2C distribution despite brand affiliation with a nonprofit.
Broad incumbents
- Nationwide Pet Insurance: Long-standing property & casualty insurance carrier offering pet insurance as part of its full multi-line portfolio, including the legacy Veterinary Pet Insurance (VPI) products. Comparable to Spot on comprehensive plans and employer-channel distribution.
- MetLife Pet Insurance: Established insurance carrier offering pet insurance as part of a broader employee benefits portfolio. Comparable to Spot on employer-distribution channel and accident-and-illness product, but with significant incumbent scale and balance sheet.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
Spot Pet Insurance social profiles
Digital presenceSpot Pet Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Spot Pet Insurance leadership team
Management profileNumber of profiles
Profiles1 record
Spot Pet Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Spot Pet Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Spot Pet Insurance
What does Spot Pet Insurance do?
Spot Pet Insurance sells subscription-based pet health insurance plans for dogs and cats, offered directly to consumers via a digital-first platform. Core products include Accident-Only plans and Accident and Illness plans with up to 90% reimbursement, plus an optional Preventive Care/Wellness add-on. Plans are customizable by deductible, reimbursement level, and annual limit, with no network restrictions, no upper age limit, no lifetime caps, and no required vet exam for enrollment.
Is Spot Pet Insurance a public or private company?
Spot Pet Insurance is a private company. It is classified as unknown and is currently operating.
When was Spot Pet Insurance founded?
Spot Pet Insurance was founded in 2019. It employs 51 to 100 people.
Where is Spot Pet Insurance based?
Spot Pet Insurance is headquartered in West Palm Beach, United States, in the North America region.
How does Spot Pet Insurance make money?
One revenue line is on record: pet Insurance Premiums.
Who are Spot Pet Insurance's main competitors?
Emerging players on record are FIGO Pet Insurance and Lemonade Pet Insurance. Direct peers are Pets Best Pet Insurance, Healthy Paws Pet Insurance, Trupanion, Embrace Pet Insurance, Fetch (formerly Petplan) and ASPCA Pet Health Insurance. Broad incumbents are Nationwide Pet Insurance and MetLife Pet Insurance.
Does Spot Pet Insurance have an API?
No public API is recorded for Spot Pet Insurance.
What industry is Spot Pet Insurance in?
Spot Pet Insurance's product category is Pet Insurance. Its primary akta.pro industry code is FSAJAKAG, Pet Insurance, with a secondary code of FSAJAKAA, Accident & Supplemental (Non-Life) Insurance. Its NAICS code is 524210 and its SIC code is 6411.