Spot | Pet Insurance Review

4.7

out of 5

Number of reviews 6,440

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 2.9
  • 4.7
  • Count
  • 1
  • 11
  • 6,440

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: New puppy coming

Phone number on the website and listed…

Phone number on the website and listed in the reviews doesn't work. Doubt I'll sign up for them if you cannot contact them!
4

out of 5

POSTED: | BY: GabrielToro

Amazon did not discount the real value of the gift card.

Thanks for the gift card to be used in Amazon. However, the gift card was for $25 but when I bought something from Amazon, the discount was $20,73. I don´t know why and I would like to know the reason. Regards.
2

out of 5

POSTED: | BY: Lynda

Too many unclear details of this pet insurance!

I did a lot of research on pet insurance for my new puppy and thought Spot looked the best. After I had several invoices for various services, I felt it was very deceiving on how much is actually covered by insurance. Out of all shots, exams, sickness, I paid a little over 650.00 and my reimbursement was 110.00 and it took months to get it. Also, I know this piece is not as important as the insurance but if you pay for the entire year which we did in October, you were supposed to get a 25.00 Amazon gift card which I never did.I called to find out who I would contact about this and was given an email which took me right back to signing up for insurance. We will not be renewing for the next year. Very disappointing.
5

out of 5

POSTED: | BY: Carla Smith

Very happy with spot insurance!

We purchased spot insurance after reviewing and comparing all policies provided by companies for pet insurance. We just submitted our first claim for puppy shot visits and was reimbursed by direct deposit very promptly. We did purchase the 90% return because we want our puppy Lucy to have the best coverage since she is like a child to us. We also just received a $25 Amazon gift card as promised. Thanks spot insurance!
5

out of 5

POSTED: | BY: Eric Ladwig

I filed a claim for my puppy Bohdi

I filed a claim for my puppy Bohdi, and received top both service from Spot pet insurance.

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 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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