Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 8,110

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: Dewey Faniel

Great Customer Service

Spot is so on point. As soon as the claim has been submitted, resolution is provided within 2 to 3 days and sometimes less. In these days of rising health costs for us and even our pets it is really unmanageable without companies such as Spot providing great customer service and timely claims resolution. Thank you Spot
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5

out of 5

POSTED: | BY: Angelica Cendejas

I submit my claim for my sick dog

I submit my claim for my sick dog, they responded immediately to let me know that my claim was processed, they authorized my claims and send me the money in a very short time. I highly recommend the insurance company
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3

out of 5

POSTED: | BY: Wren

Preventive Care - Rabies Vaccine Denied - UPDATED

I purchased the Preventive Care Gold plan which documents that an annual rabies vaccination will be reimbursed up to $20 annually. They "denied" my reimbursement, stating that the rabies vaccine that my cat received this January was "not" a rabies vaccine, even though I have an invoice from my vet with "rabies vaccine" on the invoice. I won't renew my policy, as it expires in early March anyway. I don't have time to deal with absurdity. 02/03/2025 Update. Spot Pet Insurance emailed me to verify that I had an actual claim number which I provided. After review, their response was to stand by their denial. 02/03/2025 Update 2. I received a phone call from Spot Pet Insurance to tell me that my initial claim was valid, that they had incorrectly processed the rabies vaccine, and that I would be receiving the benefit of the $20 reimbursement. Will update again when the funds are received. 02/11/2025 Update 3. I did finally receive the $20 benefit for my cat's rabies vaccine from the Preventive Care Gold plan. It took this review, an email, 2 phone calls, and 2 weeks and 2 days. Review changed from 1 star to 3 stars, because they did correct their mistake.
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4

out of 5

POSTED: | BY: Terry Mcgallicher

You are on top of the claims sent in…

You are on top of the claims sent in and settle them fairly quickly that you can understand.
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5

out of 5

POSTED: | BY: Jer H

Fast, super easy and paid the full claim.

Fast, easy and paid in a week! This was my first claim submitted in the almost 5 years with Spot. I carry a high deductible (1000) and 80% co-insurance, so when my fur baby needed ortho surgery I knew this was going to be submitted. The invoices dated back almost a year as my Vet tried numerous things before deciding that surgery was the only option. No questions from Spot about that. I had a few that were beyond the 270 days, that was my fault, but I think if it relates to the exact same claim that 270 date thing should be adjusted. That is my only gripe, but it is in the contract. Overall very pleased with the easy process and payment direct to my back account. After time, this ortho surgery will not count as preexisting - big bonus there!!
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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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