Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 7,082

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.
4

out of 5

POSTED: | BY: Charon Biel

Love what they do!

Love what they do! I have now had 3 dogs insured through Spot. They were absolutely wonderful in handling the claims for my deceased Zeki, whom was older when we joined on. I have had no issues other than piece of mind with Dexter, he was also older when we joined. With Nova she is my brand new puppy and I would say for being insured from 8 weeks old having to resubmit medical history seems a bit odd and would think there would be better record keeping from the start with a puppy to taking on older dogs. Overall, has helped with the cost of owning a dog and those unexpected expenses along with expected puppy visits, spaying, vaccines, and annual exams well worth the data collecting for each little one.
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5

out of 5

POSTED: | BY: Roxana Gomez

everything is easy to do and work with

everything is easy to do and work with
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5

out of 5

POSTED: | BY: Jacquelyn Ellison Johnson

Great experience no issues with getting…

Great experience no issues with getting refunds for care.
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1

out of 5

POSTED: | BY: Rejene Flores Almogela

Horrible insurance company

Horrible insurance company! They basically just took my money and didn't help with any cost. **how funny! The offered an Amazon gift card to leave a review and when I left a bad review they sent this: "Spot is letting you know that we made a mistake. Yesterday, an email was sent to you in error, which offered you an Amazon.com Gift Card with the subject line above. If you have received, please disregard or delete the email. Spot apologizes for any inconvenience this email may have caused and if you have any questions, please feel free to reach out to us at (their email)" Therefore they will only provide a gift card if you left a good review. That only goes to show that the reviews can't be trusted with this company.
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5

out of 5

POSTED: | BY: Reyna Harris

It’s a pretty good service

It’s a pretty good service. 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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