5
out of 5
POSTED: | BY: Britany Stice
Quick response to claims
Quick response to claims. Very reasonably priced
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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.
2
out of 5
POSTED: | BY: Tonjiie Bee
My claim was completed on September 5th
My claim was completed on September 5th and I was told it would only take 1 to 2 business days to receive that reimbursement. Here it is September 11th and they cannot provide a confirmation number nor ensure me that the funds have been sent. I was instructed to call my bank. My bank mentioned that there was not anything pending from this company. I am getting the run around and still no explanation provided.
1
out of 5
POSTED: | BY: jsanz
Another insurance company trying their hardest not to pay out claims
The 15 day waiting period isn’t well presented to new clients at all. We recently had to switch insurance because our dog had insurance through a specific vet and had some major issues that led to us finding a mass in her colon. Even though we found the mass well after the 15 day period they claimed that because she was treated for diarrhea within the 15 day period her mass was a preexisting condition. They also claimed her surgery to remove the mass wasn’t even covered under the illness and accident plan. When they complete claims they give very minimal, canned responses as to their reasoning and give no immediate way to dispute claims without calling and getting into things with someone on the phone. We were stuck in a tough position with switching insurance providers. All we were trying to do was save our dog’s life. I’d expect a company to give some bit of compassion in situations like this. At the end of it all we got screwed by the 15 day waiting period. Funny though, they sure as hell took my money on day one! Thanks for wasting my time and money!
Edit: Just to note, I was so perturbed by the above I called and cancelled my service. If someone from the Spot team can resolve my issue, I'll be more than happy to remove this review. I'll edit as necessary.
5
out of 5
POSTED: | BY: customer
This is the easiest way to file claims
This is the easiest way to file claims. The price of the policy is well worth it.
5
out of 5
POSTED: | BY: Brenda Pennington
Worth Every Premium Payment
Quick procession. Claim procedure very easy. Good value and great coverage.
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)