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: Ricardo Horna

Very disappointed

All the reviews looked great until I actually received this insurance. I took my dog in for a tummyache during the first two week waiting period, and understood he couldn’t get it covered during that time. However, I was shocked to hear that SPOT pet insurance we consider that a pre-existing condition. That’s right...an upset stomach from eating grass (new dog owner so didn’t know this is common), is considered pre-existing condition, which meant that for the next SIX months they wouldn’t cover any medical accident or ill as involving his stomach. And then, when I politely asked to cancel my insurance, I got an automated response telling me that it was canceled. Yes that is what I wanted, but to not receive a personalized message or at least an attempt to keep me as a customer or understand the problem was wildly disappointing. Would absolutely not recommend. EDIT: in response to their response, It’s one thing to respect a user’s desire to cancel, but whether a company tries to keep their customers and actually fix their issues before letting them go says a lot about their customer service philosophy. And regarding the pre-existing conditions, the issue is the fact that you would consider an isolated upset stomach situation as a pre-existing condition. I hope others have had a better experience, but regardless I recommend the company take ownership over their areas of improvement.
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4

out of 5

POSTED: | BY: Michele U Long

Finally

I'm not sure jow I am abke to give my rating when I haven't had any progress of help yet with my pet only a questioner. Iam grateful to have come across such a eye opener and have been praying for some sort of help with my pup. I can't afford a vet and she had a massive lump growing.on her side. I don't know what to do she is my everything. I would give my life for hers in a snap of a finger. That's my review,what's yours?
5

out of 5

POSTED: | BY: Rosie’s Mom

I found customer service very…

I found customer service very knowledgeable, business oriented and customer oriented at the same time. In comparison, I found our prior carrier claims representative to be very rude lacking customer service skills. We have not needed to submit a claim since insuring with Spot, so cannot comment. However, true to Spot advertisement, we did receive our Amazon gift card.
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5

out of 5

POSTED: | BY: Dana

Best pet insurance out there

Best pet insurance out there. We were reimbursed in less than a week. Customer service and website are amazing easy to work with.
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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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