Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 7,055

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: Lance Ino

I signed up and paid for a new Spot…and added Wellness coverage but was declined for a gift card.

I signed up and paid for a new Spot only coverage for a puppy. Then I received 15 marketing emails telling me to get coverage for all of their available plans including Wellness coverage. In each of the emails, a $25 Amazon gift certificate was mentioned for each new subscriber. Since I had signed up online, I was eligible for the $25 gift certificate. After consideration, I called Spot’s customer service to add the Wellness coverage since I read the marketing emails that were sent daily and I thought it made sense to add this coverage. I was told by the agent that I was not allowed to add this coverage to my original policy and that she had to cancel it and start all over. I agreed since she was going to add the Wellness only policy first which took effect the next day, and then add the Spot coverage which was delayed another two weeks before taking effect. I then asked if I was still qualified for the $25 Amazon certificate and was told No since you had to buy the two plans online at the same time! By the way, you couldn’t add the Wellness plan online after the fact and had to call it in. So I ended up canceling everything and going elsewhere for coverage.
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5

out of 5

POSTED: | BY: Robert rybak

really great on the phone explaining…

really great on the phone explaining everything to me.have to learn how to submit a claim🤠
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5

out of 5

POSTED: | BY: Brendan Keating

We were with another carrier and it…

We were with another carrier and it took months for reimbursement!! This was completed the same week!!
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5

out of 5

POSTED: | BY: Liisa Palomaki

I red about best dog insurances and…

I red about best dog insurances and yours was among them.I actually tried to apply something else first but something there stopped me,so here we are!
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5

out of 5

POSTED: | BY: AVG Premier Properties, LLC

So far so good

So far so good. We have just come over to Spot and look forward to how it works.
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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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