Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 6,702

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: Anthony

Overall satisfied with the experience

Monthly cost for my pet’s insurance is reasonable, reimbursement for wellness procedures (vaccines, etc.) needs to reflect the current inflationary costs, and the app claim form is easy enough. My very first claim for a wellness visit was a hassle. Had to call and speak with a representative to get it sorted out. Disappointing, but since then my other two claims for wellness items has been hassle free. Processing and reimbursement for my last two claims has been fast and hassle free. Explanation of benefits paid is for all purposes is essentially nonexistent. Really explains nothing. Needs to be more explicit. Overall so far not a bad experience, but there is room for improvement. My daughter has a brand name pet insurance competitor and she pays almost twice the cost. They may provide coverage for more items and reimbursement are slightly higher, but every claim is a hassle. So in comparison I can’t complain too much, as Spot hasn’t been too bad.
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4

out of 5

POSTED: | BY: JustAnswer Customer

Good turn around time with claims

Good turn around time with claims
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2

out of 5

POSTED: | BY: Chase Kaufman

Customer service is awful

Customer service is awful
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5

out of 5

POSTED: | BY: MARY ANN Loch

Spot is Spot On!

Spot Pet insurance goes to great lengths to ensure that you and your pets have the best insurance and coverage. They respond to questions immediately. They turn claims around very quickly and easily. We have nothing but positive things to say!
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5

out of 5

POSTED: | BY: Michaela Napper

Super simple to submit claims

Super simple to submit claims, and they come back so fast.
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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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