Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 7,033

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: Carolyn Okeefe

Pet insurance is definitely a good choice!

I decided to get pet insurance that covered both accidents, surgeries, and routine check-ups because my dog is in surgery as I write this to remove kidney stones. Of course, this kind of surgery is not cheap. Rocco is a 4-year-old Pekingese mix that may in the future need dental surgery (not known yet). He was one of a few dogs that came from China 2 years ago due to overcrowded shelters and we couldn't have made a better choice to adopt him. Basically, he is a lady's dog. It doesn't matter if it's a human or dog, if its female he's interested. I believe that's why he picked us because my daughter (his favorite human) is a pretty girl.
4

out of 5

POSTED: | BY: James Hamilton

It was easy to apply.

It was easy to apply.
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5

out of 5

POSTED: | BY: carolyn okeefe

It was easy to apply

It was easy to apply and best thing of all, it covers annual check ups/preventative care.
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5

out of 5

POSTED: | BY: Charles Cole

It was very easy to get pet insurance…

It was very easy to get pet insurance for Archer. I’m sorry it took so long to process payment but I’m on Social Security.
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5

out of 5

POSTED: | BY: Alex

So easy and affordable!

Spot's website made it so quick and easy to get a quote and plan for your pet. I would highly recommend!
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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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