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: Catalina Ortiz Turrini

No insurance is perfect but this one is very good

The reason why I chose this insurance is because they accept dogs of all ages and if you choose to insure it full coverage they even cover pre-existences. Recently, one of my dogs had an accident and needed surgery. It was a very expensive procedure and if the insurance had not covered 90% we would not have been able to give our pet the care it needed. Today I only have one complaint and that is that the time it takes for them to review the cases has increased and it is no longer as fast as it used to be, however they continue to comply with the most important thing for me which is to take care of my pets
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4

out of 5

POSTED: | BY: Lisa Cline

Easy Claim Process! Wish it covered more.

It was super easy to submit a claim in the portal! I was able to complete the process in under 5 minutes! Spot also turned around the claim very quickly and I received an approval in under a week! My only reason for 4 stars instead of 5 is that I wish it covered more. The Canine Influenza shot series is pretty standard now and is required here by all groomers and boarding, but this isn't a covered vaccination. This appears to be a policy gap when covering wellness items.
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5

out of 5

POSTED: | BY: DOROTHY HICKEYRAGLAND

wide range of coverages

The ease of filing the expense online, and being reimbursed by direct deposit in a couple of days
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2

out of 5

POSTED: | BY: Nina Macao

Renewing Pet Insurance

When I was deciding to renew my insurance the person i was speaking to did not know much about the coverage, also did not suggest less expensive options for the type of pet, age of pet and pets history. The company have staff just there to answer the call. I talked to 3 different person and they all had the same less than average knowledge. As a customer service person being just friendly is useless, staff need to be well versed in the product they are selling.
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5

out of 5

POSTED: | BY: Bri

Fast, easy and transparent!

Submitting a claim through the app was very easy and fast! Being able to take a photo of the documents instead of needing a scanner was super convenient. Being able to track the process made me confident that my claim was being taken care of, and the reimbursement was 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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