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.
1

out of 5

POSTED: | BY: Matthew

they go out of there way to not help you

I signed up for insurance, waited 3 weeks for it to kick in, after it did and I brought my cats in they took multiple weeks to “review my case” then ultimately didn’t because they called my vet and said my animals must’ve been sick before. Pretty much they will go out of there will to not pay/help you at any costs. Waiting multiple weeks while paying 2 months insurance to find out they’re actually useless. Don’t get scammed by these guys. Ps they literally had sinus infections something small, imagine if your animal really got hurt! I told them my cats were sick while signing up and they didn’t say anything. Can’t stress enough how money hungry these losers are.
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2

out of 5

POSTED: | BY: S Anonymous

I just started my policy

I just started my policy, right now a little skeptical. Why can't a get a hold of someone when I call the number? Its always saying, im sorry, nobody is available and hangs up. Is this a legit company??
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4

out of 5

POSTED: | BY: TINA

Easy to create plan and no issues.

Easy to create plan and no issues.
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2

out of 5

POSTED: | BY: Demi

Payment options are very limited with…

Payment options are very limited with Spot Insurance, which is very disappointing. At the very least, one should have the option to pay via bill pay from their own bank. I, like so many others, perform the bull of our payments this way so as to avoid late payments (setting up a recurring schedule) while maintaining full control of withdrawals. This is a disgrace that I have to hand over control of my funds to Spot to either deduct an amount from my checking account or credit card. No thank you. I will logon every month on or by the due date & make a one-time payment. Other than that, we haven’t even used our insurance yet. We’ll see if there are any other companies with modern payment options while being competitive and make our move then.
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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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