Spot Pet Insurance — Company Profile
What it is: a pet insurance brand founded in 2019 in Miami, Florida, by Trey Ferro, built around customisation: you pick the deductible, reimbursement percentage, and annual limit to land the premium at a chosen monthly number. Plans are produced by Spot Pet Insurance Services, LLC, claims are administered by C&F Insurance Agency, Inc. (the Crum & Forster pet platform), and policies are underwritten by one of two carriers depending on the policy.
Verdict: Legit Our rating: Not yet rated — the evidence check is published (see the legit check); numeric scoring with visible inputs is in progress, and we do not publish a number without them.
Spot is a legitimate pet insurance program — a 2019-founded brand on the long-running Crum & Forster pet platform, with policies underwritten by two established carriers. The practical questions are fit: a wide customisation menu means two Spot quotes can be very different products, and you should know which of the two underwriters is on your policy before you buy. Full verdict evidence: Is Spot Pet Insurance legit?
The evidence
- Identity & scale: founded 2019 in Miami, Florida, by Trey Ferro. The company reports surpassing one million pets insured and $450M+ in claims reimbursed (company statements reported in 2026) — company-reported figures, dated here rather than treated as audited fact.
- Who underwrites: either Independence American Insurance Company (NAIC #26581) or United States Fire Insurance Company (NAIC #21113), depending on the policy — Spot’s own current disclosure names both. Plans are produced by Spot Pet Insurance Services, LLC; claims are administered by C&F Insurance Agency, Inc.
- Plan structure: two plan types — Accident + Illness and Accident Only — plus two optional Preventive Care (wellness) add-ons that reimburse scheduled amounts per treatment.
- The dials: an annual deductible of $100, $250, $500, $750, or $1,000; reimbursement of 70%, 80%, or 90% of the vet bill; annual limits from $2,500 to unlimited, with no per-incident or lifetime caps.
- Enrollment & waiting: pets at least 8 weeks old can enroll, with no upper age limit. Coverage begins 14 days after the policy date for accidents, illnesses, and knee/ligament conditions — and if a pet showed knee/ligament symptoms before enrollment or during the wait, all knee and ligament conditions are excluded.
- Complaint pattern: our standard complaint index — the CarInsurance.com compilation of NAIC data used for every auto profile on this site — covers private-passenger auto only, so no figure from it exists for this line. Other compilations publish figures on different bases and disagree with each other, so rather than borrow one, we publish this company’s financial-strength rating and market data instead, and say so.
Where to check next
There are no live quote offers for Spot Pet Insurance on this site yet, so the honest next step is comparison, not a checkout button:
| Alternative | Best for | See |
|---|---|---|
| All major pet insurers, side by side | Comparing sales models and fit | Best pet insurance comparison |
| Run the numbers for your situation | A sourced estimate before you shop | Pet insurance breakeven calculator |
| The pet insurance hub | Coverage, costs, and how to shop the line | Pet insurance hub |
Reader reviews
No verified reviews yet. This profile is new, and we will not dress it up with placeholder praise. When reviews arrive, each one is moderated by a human, labelled verified only when we can verify the reviewer, and published whether it is positive or negative.
Review Spot Pet Insurance
Spot Pet Insurance questions
Who underwrites Spot pet insurance?
One of two carriers, depending on the policy: Independence American Insurance Company (NAIC #26581) or United States Fire Insurance Company (NAIC #21113). Spot’s own disclosures name both — check your policy documents for the one that applies to you. Claims are administered by C&F Insurance Agency, Inc.
Is Spot the same company as ASPCA Pet Health Insurance?
Different brands, same platform family: both sit on the Crum & Forster pet platform and share the same two possible underwriters (US Fire / Independence American). The plans, pricing, and brand terms differ — compare the actual plan documents, not the brand stories.
Why does this profile say “Not yet rated”?
We publish a numeric score only with the inputs behind it visible on the page. This company’s evidence check (on our Is It Legit page) is complete; its full numeric scoring is in progress, so the honest label is “Not yet rated” rather than an invented number.
Is this your business?
Spot Pet Insurance representatives can claim this profile to respond to reviews and correct factual errors. Claiming is free; it never changes a verdict, a score, or a review. How claiming works
Sources (checked October 2026): Founded 2019, Miami, by Trey Ferro (Spot news release, spotpet.com, 2025; BestMoney; TopConsumerReviews; Refresh Miami). Underwriters Independence American Insurance Company (NAIC #26581) or United States Fire Insurance Company (NAIC #21113) per Spot’s own site disclosure (crawled Oct 2026); producer Spot Pet Insurance Services, LLC (NPN #19246385); claims administered by C&F Insurance Agency, Inc. (InsuranceNewsNet). Plan structure, deductible/reimbursement/limit menus, enrollment ages, waiting periods (PetInsuranceReview Spot summary; TopConsumerReviews). Scale figures are company-reported (Refresh Miami, 2026; spotpet.com Inc. 5000 release, 2025). The producer’s street address differs across current materials (an office move), so this page prints the city only.