5
out of 5
POSTED: | BY: KK
So easy to use!
The claims process is very easy to use. I have been pleased with the service thus far. I recommend!
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4.6
out of 5
Number of reviews 6,784
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: M.Y.
Highly recommended!
Submitting a claim was super easy and it got approved within a week. I’m so glad I switched from other pet insurance and now I can give my babies necessary cares without worrying about the cost. Thank you!!
1
out of 5
POSTED: | BY: Christina Spells
This is hands down the worst pet…
This is hands down the worst pet insurance on the market. They pretty much cover nothing at all and they quick to deny your claim. I paid $119 a month for the premium platinum coverage and out of four different claims none of them received a reimbursement and the explanation of benefits they sent me was extremely vague and they always said the same thing using the same two codes as the reason for denial. Go with Liberty Mutual and leave Spot to someone who wants to wasted their money. I canceled my policy TODAY!
5
out of 5
POSTED: | BY: Sylvia Robertson
Spot insurance has been a life saver!
Spot insurance has been a life saver for my pups. One of them has been diagnosed with seizures. He is so young and so small. I could not afford his care without SPOT. The claims are easy to complete and the wait for reimbursement is minimal. I am very happy with the 5 star service.
2
out of 5
POSTED: | BY: Britt
Always asking for more info...When you…
Always asking for more info...When you receive an itemized final invoice. The expectation is for you to see what applies to my policy and reimburse me. Medical notes is optional on your site so there shouldn't be a need for you to contact my vet and request more info. Getting off to a bad start I'll be taking my business elsewhere. No one needs the hassle.
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)