Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 8,110

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.
5

out of 5

POSTED: | BY: Sarah Mason

We have been very grateful to have Spot…

We have been very grateful to have Spot insurance this year! We have insurance on our 1 year old lab and 7 year old mix. The lab more than met his deductible this year so we are thankful for the support from Spot! Submitting a claim is super easy. I always provide as much detail as possible to keep the process quick and easy. Another benefit of using Spot is access to 24/7 virtual Vet. We’ve called in several times for non urgent issues to see what the best course of action might be. This saves a vet visit and helps provide relatively quick support!
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5

out of 5

POSTED: | BY: Mary Lou Gallego

Easy to use website.

Was very nice to log in and submit my claim.
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5

out of 5

POSTED: | BY: Deanna Fazio

Very helpful very professional and…

Very helpful very professional and reimbursement is quick
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5

out of 5

POSTED: | BY: Jamie Razo

I am so happy to have Spot pet…

I am so happy to have Spot pet insurance, especially when our family went through a really tough time with our pet. Out of no where our 5 year old cat developed a ball on her leg. With the increasing size we went to the vet only to find out it was an injection site sarcoma. The only way to ensure it was all gone was to amputate our cat’s leg. Having spot pet insurance, how easy it was to submit the claims, how quickly they were disbursed it really helped take off the burden during a hard time. Our family was devastated and suffering from a heavy financial burden. Without Spot an already terrible situation would have been so much more harder deal with. We really appreciate everything the spot family has done even from the courteous customer service, the helpful and easy app and the support our family needed during a hard time.
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5

out of 5

POSTED: | BY: Lara

Very easy and done quickly

Very easy and done quickly
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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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