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.
5

out of 5

POSTED: | BY: Jennifer Young

6/11/21 This rating is currently based…

6/11/21 This rating is currently based on my limited experience with SPOT. I have not yet filed a claim. I am basing this review off off the registration and payment process as well as excellent customer service (which includes real people answering the phones). I am getting ready to go through the claims process and will change this review accordingly if necessary. I pledge to be fair with my expectations and expect that I will be treated fairly according to the terms of the contract (which I read forward and backward before enrolling) but can be very open ended when it comes to diagnosing pets with pre-existing conditions or preventative testing v/s necessary testing as you can see by previous reviews. I truly hope all goes well and I'm able to leave this 5 start rating where it is. I'll update soon.
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5

out of 5

POSTED: | BY: Ingrid Clark

Fast when it come to process claims

Fast when it come to process claims
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5

out of 5

POSTED: | BY: Hannah

Easy to Access

It was very easy to sign up and the price is very reasonable!
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3

out of 5

POSTED: | BY: Annette and Adena

Brand New

I/we, Bodhi and the family are new to Spot Pet Insurance. It’s literally been 8 days since we joined. Bodhi just had a birthday and is now a year old. We won’t know how well this new insurance will work until his next appointment. I/ we will be sure to send a more in-depth honest review then.😊
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5

out of 5

POSTED: | BY: Susan

Signing up for Spot Pet Insurance

It was easy to sign up for Spot, and didn’t take very long.
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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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