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.
1

out of 5

POSTED: | BY: customer

Absolutely horrible deceitful company

Absolutely horrible company. They denied 80% of my first claim. I specifically asked the salesperson about the claims they denied and she assured me they’d be covered. After my claims were denied, I spoke with Spot and said my sales rep specifically told me they were covered. The customer service rep said they’d send me a transcript of my sales call. A day later Spot called me and said they wouldn’t be sending me the transcript of the call they had previously offered. Awfully suspicious! Needless to say I’ve dropped my insurance with Spot and highly recommend everyone to stay away from Spot Insurance. Companies like Spot Insurance are what gives the insurance industry a bad name. If you want to pay a premium for insurance and have every claim declined, Spot Insurance is for you. I read other reviews after submitting my review and it’s remarkable how consistently deceitful Spot is! For example, all dogs have pre-existing ears/legs/… and as such Spot will find an excuse to consider any claim as pre-existing! Based on my experience, I agree with the review that states that the good reviews are fake. If you care about your pet and value your time and dollar, go with another provider, Spot is NOT for you!
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5

out of 5

POSTED: | BY: Ryan Munch

Easy and Honest

Easy to submit claims and so far no disputes with claims.
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5

out of 5

POSTED: | BY: Nadine Simmon

Payments are prompt

Payments are prompt. Claims completed in a week.
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4

out of 5

POSTED: | BY: Michael Hardt

easy to use and quick response

First time used pet insurance we are happy we did due to an unknown kidney issue. The website was easy to use with fast response
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5

out of 5

POSTED: | BY: T S Praveen Rao

Good service

Good service. Timely claim payouts and no fuss.
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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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