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.
5

out of 5

POSTED: | BY: Tom Pride

The signup process was very easy

The signup process was very easy, I like the fact that you can choose different deductibles and other benefits.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Kathleen Frasetto

All I’ve done so far is sign-up

All I’ve done so far is sign-up! But so far so good.
Read more on Trustpilot
1

out of 5

POSTED: | BY: CCI

A TOTAL SCAM!

Enrollment is super easy. But just wait until you need to put in a claim. This insurance is nothing short of a scam! My dog started to go blind. I took him to an Ophthalmologist and was asked to get a test. I took him for his yearly check up and asked for them to do the test requested. They found he had worms. He was treated and had to be retested. Again they deny the claim. Out of $1600.00 of bills they have have paid a whole $110.00 TOTAL AND UTTER SCAM! Do not even consider Spot for your pet insurance
Read more on Trustpilot
5

out of 5

POSTED: | BY: Vikki C

Affordability and ease of getting…

Affordability and ease of getting coverage. I love that I received a call to go over the insurance and make sure we understood everything. We just recently got coverage and so far so good. We will even be reimbursed part of a dental cleaning that was done a few days after we got coverage.
Read more on Trustpilot
4

out of 5

POSTED: | BY: Cha D

Minor technical issues

So far so good. Enrollment was easy. On iPhone uploading a picture via safari didn’t work but I had no issues doing it on the app. I was also able to add names of people who could make changes to our policy (like my husband) but have not been able to send them access to the account online, having that fixed would be really nice. We haven’t needed to process any claims yet. The policy doesn’t go into effect until 15 days after enrollment so we signed up early. Our puppies won’t be home until the end of the month- the policy should go into effect right around the time our puppies come home to us. I feel I can’t give a fair review until we have actually don’t anything to use the policy we purchased.
Read more on Trustpilot
Please leave a review

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)
Provider website

Get a quote today

Leave a review