Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 6,788

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: AnneMarie Triplett

Buyer beware!

Buyer beware! After paying Spot Pet Insurance for years, when our pet had to go to the emergency clinic, they refused to pay our claim even though we had 2 different veterinarians stating plainly (diagnosis and letters from the vets) that our dog had eaten something, then vomited, then aspirated some of the vomit, which caused aspiration pneumonia. They have steadfastly tried to get out of paying our claim despite what the vets said was an accident, insisting that they don't cover illnesses. They are trying to use a loophole to get out of paying the claim. Both vets clearly stated that pneumonia was SECONDARY to the accident and we have accident insurance. They are insisting the primary diagnosis was an illness, not an accident as the veterinarians diagnosed. This has cost us 4k and a whole lot of headaches going back and forth with Spot. Look elsewhere.
5

out of 5

POSTED: | BY: Maggie Holland

Amazing

I adopted my pup Marvin earlier this year and immediately looked into Pet insurance because I am a college student. after researching different insurance plans, Spot seemed like the best option. I am so glad i signed up with spot when I did because Marvin ended up not being able to keep any food which led to many expensive vet visits. Spot was very helpful and timely with my claims.
5

out of 5

POSTED: | BY: Vitor M.

Very helpful and friendly staff.

Very helpful and friendly staff.
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5

out of 5

POSTED: | BY: Vladimir Esterkin

Very good service!

Very good service!! Quickest claim processing I've ever seen! Overall great experience.
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5

out of 5

POSTED: | BY: cindi713

SPOT is The Best!

SPOT makes the claims process pain-free-- with explanations of benefits readily available and easy to understand, as well as fast processing of claims, SPOT Pet Insurance is the best coverage for all of my fur babies.
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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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