Spot | Pet Insurance Review

4.7

out of 5

Number of reviews 6,485

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 2.9
  • 4.7
  • Count
  • 1
  • 11
  • 6,485

Updated: May 29, 2024

Spot is committed to helping pets lead longer, healthier lives by providing pet health insurance with best-in-breed service and high-quality coverage.  This is especially important at a time when vet care is becoming more expensive each year. Spot’s focus is to provide pet owners with the tools to help create a world of healthier pets and happier owners. Our pets are part of our pack, and it’s important to treat them with the same respect as our human family. A big part of that is to provide proper healthcare for our furry friends and enable a healthy lifestyle for pet families at both ends of the leash. With the costs of today’s pet care, having Spot in your corner is helpful for your pet’s health and wellness needs. Spot policies help cover a wide range of covered conditions such as accidents, illnesses, medications, diagnostics, exams for covered conditions, and treatment—even alternative therapies. Spot also provides preventative plans, which include dental cleanings, vaccinations, flea prevention and more for a little extra cost! Spot wants pet parents to worry less and play more with their furry family. Discover the peace of mind of having Spot Pet Insurance.
1

out of 5

POSTED: | BY: Frantz Blass

I was have been paying SpotPet…

I was have been paying SpotPet insurance for over five years. They’Bebe are partly to blame for the death of my dog she was sliced while I was on the phone with them they did not want to honor the contract. They found every excuse possible not to treat my dog causing her demise. I paid them $1000 of dollars over the years and now they refuse to pay reimburse me coming with all kind of loopholes in our coverage. They are prepared to find any excuse that doesn’t apply to your dogs ailments. I am starting a class action lawsuit against them. If you’ve been a victim of their scam, fraudulent and phony coverages. Please contact me at phone 857-258-7172
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5

out of 5

POSTED: | BY: Tina Berrios

AS OF NOW - NEW CUSTOMER

As of now, I can only give a review on the pricing of my pet's insurance plan. I was able to pick coverage plan, unlimited yearly amount, deductible ($100/year), and reimbursement amount (90%), for a total cost of $122/month. I spent time shopping around and what I liked most about Spot was the options that I could pick. Other insurance companies didn't come CLOSE. My fur baby just turned one in April and since she has no pre-existing conditions, I feel that this is the best policy for her life span. The other rating that I can give for now, is how easy it was to sign her up on their website and how easy the website is to use. I have limited technical knowledge so this too was a bonus. I will gladly post another review when I admit any bills in the future.
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5

out of 5

POSTED: | BY: Mary Judd

I'm still New to Spot insurance but so…

I'm still New to Spot insurance but so far everything is great
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5

out of 5

POSTED: | BY: Mildred A Sauceda

It was fast and easy

It was fast and easy
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Monthly Cost

Rates start at: $10 (for accident only), $16 (Complete Coverage). plan costs vary based on plan type, pet breed, age, and location.

Coverage

The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

Payout Limits

Annual limits can be set by the customer, ranging from $2,500 to $20,000, including an unlimited option. No lifetime limits.

Deductible

$100, $250, $500, $750 or $1000 annually.

Age Limits

No upper age limits. Pets must be at least 8 weeks old to enroll.

Waiting Period

There are no waiting periods for preventive care. Coverage begins 14 days after date listed on policy for accidents, illnesses, and knee/ligament conditions.

Exclusions

Pre-existing conditions, cosmetic procedures and breeding costs are not covered. Spot Pet Insurance has two Preventive Care plans that can be added to help cover a pet’s wellness care, including annual exams, vaccinations, tests, dental cleanings and flea/heartworm preventive. Preventive Care plans reimburse up to a set amount for each listed treatment. If your pet exhibited symptoms of a knee and ligament condition at any time, prior to enrollment or during a waiting period, all ligament and knee conditions will be excluded. Ligament and Knee are conditions involving a ligament, patella, meniscus or soft tissue disorder of the knee. Accident-Only coverage available. for a full list of exclusions visit spotpetins.com/sample-policy
Spot Pet Insurance detail
Spot Pet Insurance is committed to helping pets lead longer, healthier lives by providing pet insurance with affordable and customizable plan options. Plans cover accidents, injuries, illnesses and more, and features simplified reimbursement based on percentage of invoice. Preventive Care is available at an additional cost. Policyholders can use any licensed vet, including coverage eligible mobile and virtual vets. Insurance plans are underwritten by United States Fire Insurance Company. Insurance plans are marketed and produced by Spot Insurance Services, LLC. (NPN # 19246385)
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