Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 8,110

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: Angelica Hashimoto

Best pet insurane EVER!

I'm so glad I got Spot Pet Insurance when I did. My dog is almost 4 yrs old and has had a lot happen this year, and if we didn't have Spot, we would definitely be hurting financially. It's easy to submit claims online. If I have questions, I can just give them a call and speak to someone which has been very helpful at times. It takes a little time in the beginning to establish a pet history for claims/reimbursement, but once done, things move along nicely after that. I have direct deposit set up so reimbursements are sent as soon as as claims are completed. They also send notifications to let me know which step of the claim process I am in and if action is needed from me. Overall...I am very satisfied with Spot and would HIGHLY RECOMMEND them to anyone looking to get pet insurance 👍
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5

out of 5

POSTED: | BY: Jildoe

Love Spot

I have three dogs and I believe in taking care of All family members! I chose Spot because they do to, at an affordable price. They have great coverage plans that fit each pet. They make it easy to file a claim and they pay right away! I recently noticed that taking good care of my fur babies paid off as my premiums went down!
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2

out of 5

POSTED: | BY: christina costa

Price keeps going up every year by alot

Price keeps going up every year by alot
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5

out of 5

POSTED: | BY: Lisa Bernard

Best service and we have four cats…

Best service and we have four cats insured❤️
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5

out of 5

POSTED: | BY: Marsha

Easy and understandable process for…

Easy and understandable process for filing claims
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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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