Spot | Pet Insurance Review

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.
5

out of 5

POSTED: | BY: Sonia Khan

So many things

So many things! Just knowing that we had insurance really helped us get the treatment we needed for our cat and know that we would get financial help in doing so. The online nurse service is so fantastic. I've been going through so much with my cat and knowing that I could call them made such a huge difference just because there were many days where we didn't think he would pull through. The claims process is fast and efficient, I put in my claims and within a week they were processed and I had my returns in my bank so I can start paying off my credit card. Thank you so much Spot Pet Insurance.
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4

out of 5

POSTED: | BY: Craig Smith

it was comforting to know that the cost…

it was comforting to know that the cost of two surgeries for my older GSP would be mostly covered by insurance
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5

out of 5

POSTED: | BY: Jennifer Wicker

Very quick and no problems at all on…

Very quick and no problems at all on first claim.
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5

out of 5

POSTED: | BY: Janet Vaughn

I am very satisfied with the response…

I am very satisfied with the response when ever I have a question. And submitting a claim is fast. I have had dealings with other pet insurance companies and by far Spot Pet is the best!!!
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4

out of 5

POSTED: | BY: Lydia DiSalvo

Spot is great but the app needs work

Spot is great but the app needs work. Never wants to save my payment information.
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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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