Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 7,904

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: Sarah Gilmore

SPOT insurance is a fraudulent company…

UPDATE: After the response from SPOT I would like to add that every follow-up from SPOT I was given a different reason for denial. I stand by my fact-based review that SPOT is a fraudulent company and will purposely deny claims. SPOT insurance is a fraudulent company that refuses to cover vet bills. My dog was seen for an ear infections related to wet ears. SPOT denied the claim because my dog had previously been seen at an emergency vet when she rolled in grass and had foxtails embedded in her ears. SPOT stated that my pet had a pre-existing condition of ear infections which is untrue because foxtail removal from ears is NOT related to allergies or infections. Spot then claims that my dog was diagnosed with allergies and allergies are a non-curable condition therefore SPOT will not cover any visit or prescription related to allergies. SPOT then continues to state that my dog's ear infection is related to allergies. My dog was NEVER diagnosed with allergies or seen by a vet for allergies until the visit when I submitted a claim. For each claim and each appeal I have filed I have been given a different excuse as to why my claim was denied. I was a customer for a few months which is why I believe my claim was denied because SPOT would not have received enough money in premiums to cover the cost of the claim reimbursement. If the excuses for denial were consistent I would be more likely to believe that SPOT was not a fraudulent company, however they know what to say and how to manipulate medical records to deny payment for a claim.
1

out of 5

POSTED: | BY: Sarah Gilmore

SPOT is a fraudulent company

SPOT insurance is a fraudulent company that refuses to cover vet bills. My dog was seen for an ear infections related to wet ears. SPOT denied the claim because my dog had previously been seen at an emergency vet when she rolled in grass and had foxtails embedded in her ears. SPOT stated that my pet had a pre-existing condition of ear infections which is untrue because foxtail removal from ears is NOT related to allergies or infections. Spot then claims that my dog was diagnosed with allergies and allergies are a non-curable condition therefore SPOT will not cover any visit or prescription related to allergies. SPOT then continues to state that my dog's ear infection is related to allergies. My dog was NEVER diagnosed with allergies or seen by a vet for allergies until the visit when I submitted a claim. For each claim and each appeal I have filed I have been given a different excuse as to why my claim was denied. I was a customer for a few months which is why I believe my claim was denied because SPOT would not have received enough money in premiums to cover the cost of the claim reimbursement. If the excuses for denial were consistent I would be more likely to believe that SPOT was not a fraudulent company, however they know what to say and how to manipulate medical records to deny payment for a claim.
5

out of 5

POSTED: | BY: Catherine P

Great value

I found it easy to join online. All my questions were answered promptly. Prices are very competitive.
5

out of 5

POSTED: | BY: Tracy Rivera

I found this to be a good insurance for…

I found this to be a good insurance for my fur babies. I have two older pets and one young on and I want them to live a good life for a long time. This insurance is what I have been looking for. The app is so easy to use and a good price for my fur babies.

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 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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