Spot | Pet Insurance Review

4.7

out of 5

Number of reviews 6,474

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 2.9
  • 4.7
  • Count
  • 1
  • 11
  • 6,474

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: Adrian Trejo

Don't trust Spot Pet Insurance for your own pets!

Please do not waste your time or money with this company. Very sad that a pet owner can pay months of premiums for a pet just to be denied multiple claims. Please spread the word. I will be cancelling my policy for my 2nd pet and will continue to share my negative experience dealing with the claims department for Spot Pet Insurance. $800 in claims completely denied for my dog. I started my Spot policy on November 14, 2022. Two week waiting period ends November 28, 2022. My 1st appointment for my dog was December 5, 2022. Every claim was denied including after life services which Spot said they would cover. Canceling my policy and hope you do the same. Please do your research prior to insuring your pet with Spot Pet Insurance. Spot provides inadequate insurance for pets. I will continue to spread my experience on social media and Twitter.
Read more on Trustpilot
1

out of 5

POSTED: | BY: EA

Do not recommend

Do not recommend! I have had this pet insurance for several months and my claims are constantly denied even though I paid extra for things like wellness checks and dental cleanings. I have had to call every single time I have submitted a claim to ask why it was denied and every time the person I speak either tells me they don't know or they give me some round about reason that doesn't make sense. I do not recommend unless you want a constant headache.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Mary Larkin Deen

We LOVE Spot

We LOVE Spot! We got the Spot 7 months ago and have already saved over 1K! Great customer service!!!
Read more on Trustpilot
5

out of 5

POSTED: | BY: Melissa Vandevoorde

Very easy to apply online & quick

Very easy to apply online & quick
Read more on Trustpilot
5

out of 5

POSTED: | BY: Mary Torres

Customer service

All my questions were answered in a friendly manner.
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