Growth · alternatives · 2026

24 alternatives to SPOT

Instant insurance to live each day like it's your last.

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. SPOT launched in 2019; newer entries below may have overtaken it.

1. 1
   Buddy▲89

   On-demand accident insurance for an active life.

   2020 · its alternatives →

2. 2
   Spot Injury Insurance▲4

   Get Spot. Get Hurt. Get Paid.

   2019 · getspot.com · its alternatives →

3. 3
   Cardzen▲92

   Track every credit, perk, and point before it expires

   Jul 2026 · cardzen.ai · its alternatives →

4. 4
   Robinhood Checking & Savings▲465

   Earn 3% on your money. Pay no fees.

   2018 · its alternatives →

5. 5
   Haven Life▲126

   Life insurance that's actually simple

   2017 · its alternatives →

6. 6
   Emergency Fund by Petcube▲302

   Affordable pet insurance alternative + realtime vet chat

   2023 · petcube.com · its alternatives →

7. 7
   Verifly App▲93

   $1M on-demand General Liability insurance starting at $5

   2018 · thimble.com · its alternatives →

8. 8
   Haven Simple by Haven Life▲83

   Haven Simple is life insurance that is 100% no exam.

   2020 · its alternatives →

9. 9
   Onsurity Edge▲214

   All-in-one platform for employee healthcare & wellness needs

   2022 · onsurity.com · its alternatives →

10. 10
    Haven Life API for Term Life Insurance▲75

    Help your users financially protect their loved ones

    2018 · its alternatives →

11. 11
    By Miles▲89

    The world's first connected car insurance policy

    2019 · bymiles.co.uk · its alternatives →

12. 12
    Revolut Pay-per-Day▲89

    Travel Insurance with powerful geolocation technology 🚀

    2018 · blog.revolut.com · its alternatives →

13. 13
    Quilt▲118

    Radically simple insurance (aka, taking the suck out of it)

    2017 · memories.chatbooks.com · its alternatives →

14. 14
    Ramp Reimbursements▲152

    Reimbursements & corporate cards in one.

    2020 · ramp.com · its alternatives →

15. 15
    VOOM Insurance▲162

    The first per mile insurance for motorcycles

    2021 · voominsurance.com · its alternatives →

16. 16
    Avibra▲69

    Earn insurance simply with your good habits.

    2019 · avibra.com · its alternatives →

17. 17
    Crescent▲96

    Earn 4% APY with up to $75m in FDIC insurance

    2023 · crescent.app · its alternatives →

18. 18
    Gabi - Free Insurance Helper▲95

    Get a better rate for your car and home insurance!

    2017 · gabi.com · its alternatives →

19. 19
    Vouch Insurance▲93

    Fast, scalable business insurance for startups.

    2019 · vouch.us · its alternatives →

20. 20
    Pay with life – converts prices to time it takes you to earn the money▲41

    2017 · chrome.google.com · its alternatives →

21. 21
    Term Insurance Cost Calculator - Instant▲10

    Plan your future today. Instant & Easy Premium Calculation.

    2025 · apps.apple.com · its alternatives →

22. 22
    Shortlife▲69

    A clock to remind you that life is short

    2023 · driesdepoorter.be · its alternatives →

23. 23HM
    How much is my life costing now▲82

    2018 · howmuchismylifecosting.now.sh · its alternatives →

24. 24
    My Existence▲18

    Your life is about 4,000 weeks. Here you can fill them.

    Aug 2026 · myexistence.app · its alternatives →

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →