5
out of 5
POSTED: | BY: Reganne Camp
Easy
Easy, helpful and clear
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4.6
out of 5
Number of reviews 7,928
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: JC
Better than expected
Fairly easy to submit a claim and they give you many months to file. I prefer checks sent over electronic transfer, and the checks arrive in approx. 2 weeks-this is reasonable. Recently, our elderly cat became very ill costing over $3000 in a couple of months. Spot Insurance covered most of these bills without hassle. We are on the 20/80 plan, and in the end, approx 70% of what the vets charged was covered.
The four stars instead of five is because of the 50% increase of my premium this year on our dog that has had few claims in 4 years. Additionally, we have the platinum wellness plan which I thought should factor into not having large premium increases. Next year, we may cancel the platinum wellness plan add on because it only makes sense if you have a dental cleaning, and Spot only covers $150 toward the dental cleaning. Dentals cost between $400-800 at most clinics. At least consider counting the overage toward the deductible. The vet bills have not doubled in one year, so I don't understand the rational here and none was provided.
5
out of 5
POSTED: | BY: Christy Johnson
Highly Recommend
I have really enjoyed having this insurance. It has been way more helpful than I ever planned. Also, the claim process is super easy and the support team is incredibly helpful.
1
out of 5
POSTED: | BY: Casey Myers
Shelter Dogs Healthcare Ruined Permanently
This pet insurance company has deliberately misleading language in their online sign up process relating to waiting periods. They state that you may not file claims for any condition treated during the waiting period. This would mean claims would be denied if they took place during this period. I found out today that in reality any condition DISCOVERED during the waiting period will not only not be covered for the visit, but will also be logged a pre-existing condition for future denials, even though it occured after the start of the plan. Now with a 180 day term for a consideration of not being pre-existing, our dog has a monthly preventative prescription that will NEVER be covered because Spot relates to that keyword in her diagnosis. Furthermore I am now permanently stuck paying out of pocket with no insurance coverage since at this point these are now all 'pre-existing'. Absolutely heartless scam artists
5
out of 5
POSTED: | BY: Donna Mcdonald
Spot makes everything so easy
Spot makes everything so easy. Just go the website upload your invoice and like magic you have recouped some of that expensive vet visit. Just thankful to have the insurance in the event of and emergency!!
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)