Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 8,257

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: customer

Spot pet insurance has been awesome so…

Spot pet insurance has been awesome so far- the claim submission process online was super easy, and it took less than a week for our claim to be approved and reimbursed.
4

out of 5

POSTED: | BY: Linda Robinson

What the insurance paid for

What the insurance paid for. The process time was good. I didn't like how I had to do the process on line only. Everyone isn't good with online services. I rather mail my claims in like I did my previous insurance.
5

out of 5

POSTED: | BY: James

Very prompt with insurance process!!!!!

Very prompt with insurance process!!!!!
5

out of 5

POSTED: | BY: Rachel Huneryager

Fast claims processing

Spot Pet Insurance is great! It’s super easy to submit claims and they are fast in processing claims!
5

out of 5

POSTED: | BY: Paul

So far so good with spot

I’ve had spot coverage for my cat since 2022 when he was around 2 years old. He had no preexisting conditions fortunately. Recently we had to make two trips to the ER one for a concern for a urinary blockage, another a week later for an actual urinary blockage. Spot has been good so far with my plan and coverage. For a $4,200 combined vet bill I got 90% back, minus my deductible of $250. It took them about 5 business days to file my claim and send reimbursement via direct deposit. So far I would recommend Spot for coverage if you are looking for Emergency/Illness coverage for your pet.

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 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)

Get a quote today

Leave a review