Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 7,141

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: JAMES TERRY

When I first got Insurance on my pets

When I first got Insurance on my pets I wasn't sure if I actually would receive conversation if my pets had emergency or if I would have to argue it get any. But we have had a couple of emergency visits and even lost one of our fur baby's. I sent in all of the papers that was given to us for the vets and received payment and it didn't take very long at all. When we lost our fur baby Spot was very helpful and understanding with helping us. They even called us just to express their sympathy witch might a lot to us. I have never had any insurance company do that before so that mint a lot to us.
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5

out of 5

POSTED: | BY: Katherine

Easy to use and every little bit helps…Awesome

Easy to use and every little bit helps when taking care of my pet
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5

out of 5

POSTED: | BY: customer

Newby to Spot Pet Insurance

As a newcomer to Spot I was not sure what to expect when I submitted an receipt from my vet. I was very please as to how quickly my claim was processed and payment direct deposited in my bank account.
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5

out of 5

POSTED: | BY: Krista Lemaster

New client

Just recently signed up and when we were on vacation, we had a big scare. Completing claims was so easy to do and I had no issues getting reimbursed, even being a new customer. So happy I signed up for insurance for my dog! I will never cancel this insurance!
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5

out of 5

POSTED: | BY: James Lardizzone

Promt and speedy response

Promt and speedy response
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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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