Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 7,050

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: Carlos Rodriguez

I opted for this insurance for a couple…

I opted for this insurance for a couple of main reason; one, it was discounted via my employer and second I wanted to take sign up as soon as possible because I have some routine visits for my pet coming up within the next 30 days. I received a call from a rep and they explained to me that routine visits are not covered and that I had to add those services at checkout....that I couldn't make that change now, had to wait for a year to make that change on my policy. If I would have know this I would have looked out for the option to add this via checkout but I wasn't aware this wasn't covered by default and the fact that I just signed up within the past week, you would think I could still modify my policy to now add those services instead of now having to wait a year to do so.
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5

out of 5

POSTED: | BY: Joan Childs

Excellent service and very pleasant

Excellent service and very pleasant, reasonable fees and helpful. Have not yet submitted any claims. Just joined.
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5

out of 5

POSTED: | BY: Ron Jablonske

Smooth and Easy

Great simple process, and overall coverages are outstanding! Hopefully never use it, but feel confident if I have to.
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5

out of 5

POSTED: | BY: Eugene Craft

Very streamline process

Very streamline process, agents helpful, took about 15 minutes to enroll.
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4

out of 5

POSTED: | BY: Dana Boskovich Tasic

I wrote an 2 emails to…

I wrote an 2 emails to spotamazonatspotpetsins.com because I received an email for the promotion, but clicked on a different link signing up. I have yet to receive a response. I had to write out the word at instead of using the symbol because email addresses are not allowed. I am editing my review to note that within a couple hours of my review. I received a response to my inquiry. It is very much appreciated. Thank you!
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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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