Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 6,784

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: Mary B.

The Absolute Best Experience in the Hardest of Times ...

We have owned many pets over the years and only (earlier) this year decided to add pet insurance for our Doberman, Madison. Madison just turned 3 years old last week. We received a terrible diagnosis last month for Madison (Wobblers) that has not only been emotionally difficult, but expensive to treat as well. If we did not have this insurance, we would have had to have made other choices for Madison that would not have her here with us today. Spot has been SO GOOD in handling our claims - they have been efficient, communication on the processing of the claims very thorough, and very quick considering the complexity of this diagnosis. We are forever grateful for what Spot has given to us, which is to continue enjoying our very loved fur-baby. I will never consider any other pet insurance for my pets; Spot has gained a forever customer!
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5

out of 5

POSTED: | BY: Noel Burkitt

The reason I purchased SPOT Insurance

I am new to spot insurance. I have owned pets my whole life ( I am 70 YO). I treat my pets as my family, and over the years I usually spend between $1400.00 to $3500.00 per year on pet care, wellness visits, preventitive care, surgeries, shots, as well as food and supplies. Being retired now, I wanted some financial help. after 2 months of reading reviews and visiting web sites I chose "SPOT" insurance because for me the company offered what I wanted for what I feel is a reasonable price. I just rescued a 3 YO german shepard and want the best for her, The website was easy to navigate, the contract I designed personally for me, and the couple of questions I had were answered politely and professionally by the insurance agent. ...so far so good... Noel B
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5

out of 5

POSTED: | BY: Michael V

I was having trouble send a scanned…

I was having trouble send a scanned document for a claim. Customer service walked me thru the process and it worked just fine. Great service.
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5

out of 5

POSTED: | BY: elizabeth collins

my only experience was enrolling which…

my only experience was enrolling which was easu
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5

out of 5

POSTED: | BY: Allen Russell

Signing back with spot

My experience was great . The operator was courtios and helpful. I would recommend spot to friends and family.
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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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