Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 6,873

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.
2

out of 5

POSTED: | BY: Rosebel Gan

The coverages look great but if you adopted older dogs, you’re out of luck.

The coverages look great. But like all pet insurance it sucks, if you adopted an older dog from a shelter it cost so much. I adopted two older dogs from shelters because all dogs no matter age need love too and I’ve been trying to get them pet insurance but everywhere charges so much and you guys charge the most. About 80 plus if I do the affordable budget and add preventative care for 8 year old and 60 something for my 6 year old. If you have a one year dog or less, it looks like this would be the place to be for you since that was half the cost.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Stephanie Moore

Let's hold off until the 3rd of April.

At this point, I am only shopping around for pet insurance for Peanut and Momma Kitty. I'm would not be able to make any decisions until the beginning of next month.
Read more on Trustpilot
5

out of 5

POSTED: | BY: YVETTE WARRINGTON

I like the fast turnaround once you put…

I like the fast turnaround once you put your claim in and how friendly the people that work there are!
Read more on Trustpilot
1

out of 5

POSTED: | BY: Donald

Way Too Expensive

In my opinion this insurance is for well-to-do clients. I am retired enlisted on Medicare with a fixed income. There is no way I can afford $1800.00 a year...I have to eat!
Read more on Trustpilot
3

out of 5

POSTED: | BY: Lynne Clark

unable to help me and my pet

unable to help me and my pet, as the plans were way higher than I can afford.
Read more on Trustpilot
Please leave a review

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)
Provider website

Get a quote today

Leave a review