Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 7,137

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.
3

out of 5

POSTED: | BY: Suzanne Seligman Wright

I went with Spot because of the coverage and turnaround time for reimbursement.

I went with Spot because of the coverage offered but also because they boasted about reimbursement within 3-4 days. It took 2 weeks to get my 1st reimbursement from a dog attacking my dog. I'm grateful he had coverage but wished a claim that was as clear cut as the one I submitted was reimbursed sooner. Same with the claim I submitted on 8/17. It said there was a 3 day turnaround. I know I needed to upload some forms, which I did immediately. I'm still waiting for underwriting and my claim still says I need to upload forms but I already did that and sent in everything I have.
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4

out of 5

POSTED: | BY: Shamara

Works well for the most part

Works well for the most part, my main complaint is that the claims take a long time to process.
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1

out of 5

POSTED: | BY: Kristen Piper

You keep asking for medical records…

You keep asking for medical records from December 2021. But penny has not gone to the vet from December until this visit I submitted a claim for. You have all of her medical records.
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5

out of 5

POSTED: | BY: Barbara Vee

Glad I found & signed up!

They have helped me a lot. That I am thankful for. We have 2 service dogs semi retired (can't tell them that) but when one is hurt of sick it helps a lot when Spot comes through with $$, goes straight to my bank, no checks to handle, cash etc. Thank you for your program & helping us out!
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5

out of 5

POSTED: | BY: Vanessa Alvarez

Highly recommend Spot

Spot as come through every time for my dogs. Prompt reimbursement, I've never had to even call to follow up. I have the max coverage for my senior pup and have no complaints.
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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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