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: keep my dog healthy

Spot Pet Insurance denies legitimate sick claims!

My dog has Spot Pet Insurance. I keep very good care of my dog. She had been diagnosed for head allergy in July 2018. The latest allergy related visit was in September 2020. I took her to vet for a paw issue in January 2023. The vet assumed it was allergy (vets are not very good at diagnosing in the first place, he was suggesting all kinds of things....). This is full 3 years+ after the previous allergy visit (on the forehead). Spot Pet Insurance denied my claim for this sick visit, as it is pre-existing cause. Excuse me? How is it pre-existing? I have kept my dog healthy for three plus years. I am flabbergasted how poorly this pet insurance covers anything. It certainly denies all the sick visit claims. Useless insurance to pay for! DO NOT GET SPOT PET INSURANCE! Addition on 3/6/2023 after reading Spot Pet Insurance's response to mine: This system does not allow me to post below the BS response from Spot Pet Insurance. They are pretty much a scam. The response makes the reader think that they actually will do something about the issue. THEY WON'T! I wrote my review after speaking to their rep on that phone number their posting lists below. HORRIBLE INSURANCE! I DO NOT RECOMMEND ANYONE TO GET SPOT INSURANCE. THEIR RESPONSE TO THIS REVIEW SHOWS THEIR IGNORANCE AND TRYING TO LOOK GOOD FOR OTHER POTENTIAL CUSTOMERS. THEY WILL DO NOTHING EVEN IF I CALLED THE NUMBER. IT IS ALL DAMAGE CONTROL FROM THIS BS PET INSURANCE COMPANY. DO NOT GET SPOT PET INSURANCE! SCAM!
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5

out of 5

POSTED: | BY: Raymond Garrity

Fast and very easy to do

Fast and very easy to do
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2

out of 5

POSTED: | BY: Linda Klein

I signed up for Spot and gave my credit…

I signed up for Spot and gave my credit card information almost a week ago and have had NO information from you since then. Is there a policy, instructions? Anything?
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3

out of 5

POSTED: | BY: Linda Hansen

I gave three stars

I gave three stars. I don't know how good they are. I submitted a claim and haven't heard back yet.
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3

out of 5

POSTED: | BY: Tim Falkum

I have not used Spots services yet…

I have not used Spots services yet because it doesn’t kick in until March 9th and my dog is healthy.
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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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