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: Jon Bee

I don't like sneaky, watch out new yorkers.

I had to cancel spot insurance within 30 days and i did not use the insurance. I expected a full refund but only received a little over 9.00 of the almost 30 dollars paid. I called them and was told the refund is prorated for the time with the policy. I said i thought it was a full refund as stated online. She said no. That was that. I hung up as she couldn't do a thing to help me. So i found it again online where it said full refund. Then i found the exception of NY. So if your in NY or any other state they might add call them first to see if you really get the full refund as advertised. I am so glad i canceled spot and now use a different insurance that ended up providing more coverage for about the same money. I don't like sneaky.
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5

out of 5

POSTED: | BY: Ginnie

Impressed Numerous Times

I have been impressed with Spot multiple times. They are very helpful and extremely friendly. I have recommended them to many friends and will continue to do so.
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5

out of 5

POSTED: | BY: Dania Velosa

Nice customer service

Nice customer service
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5

out of 5

POSTED: | BY: Kim Williams

Customer service was great

Customer service was great. They handled my claim with speed and accuracy. Would highly recommend this insurance.
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5

out of 5

POSTED: | BY: Vanessa Tosta

Always get my credit back

Always get my credit back. Have always taken care of both my pups.
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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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