Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 6,731

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: Josie Johnson

Spot insurance has been amazing helping…

Spot insurance has been amazing helping me to give the best care to my senior working German Shepherd. He has always been a very active, intense dog, giving his all when he works. He deserves the best care and to be comfortable in his older age. Spot is very fast with claims and extremely helpful over the phone if you need guidance.
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1

out of 5

POSTED: | BY: Amy

Wasted our time and money!

The 15-day waiting period is poorly communicated to new clients. We had to switch insurance because our dog was covered through a specific vet, and she developed serious health issues, leading to the discovery of a mass in her colon. Despite finding the mass well after the 15-day period, they claimed it was a preexisting condition because she was treated for diarrhea within that time frame. They also stated that her surgery to remove the mass wasn’t covered under the illness and accident plan. Their claim responses are minimal and generic, offering no straightforward way to dispute without calling and dealing with someone on the phone. We were in a difficult position switching providers, just trying to save our dog’s life. I expected some compassion from the company in such situations. Ultimately, we were penalized by the 15-day waiting period. Ironically, they had no problem taking my money from day one! Thanks for wasting my time and money!
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5

out of 5

POSTED: | BY: Tasha Gose

Timing and understanding

Timing and understanding
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5

out of 5

POSTED: | BY: Joseph

Job well done.

The claims are easy to file and are processed and paid promptly. On the one occasion I had to communicate via telephone, the lady to whom I spoke was delightful. She resolved the issue (that I created) and seemed genuinely concerned about my pet's wellbeing.
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5

out of 5

POSTED: | BY: Kate Williams

Easy to Use

Claims are easy to submit; information needed for each claim is easily notated but I appreciate that Spot is willing to reach out to your vet if you don't have the information. Quick to respond, process and follow up with each individual claim. I
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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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