Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 7,140

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.
1

out of 5

POSTED: | BY: Marci Lewis

I was a new client with SPOT and would…

I was a new client with SPOT and would not reccommend them at all. They took over 3 weeks to review my claim and then used the Pre-existing condition excuse to deny the claim. The customer service options were slow to respond and now I have requested them to reimburse my full policy payment which they are not responding to. In the past I had Nationwide and when I compare the 2, I would go back to Nationwide considering the extreme difference in how claims are handled and communicated about. Update: While SPOT did respond to my request today for a policy refund, they want to pro-rate the amount. Due to the delay in processing my claim and the customer service issues, I did not feel pro-rating was acceptable.
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5

out of 5

POSTED: | BY: Mabel Turrini

Easy claim process.

Easy claim process.
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5

out of 5

POSTED: | BY: Becky Beard

So glad we have Spot!!

I put an accident policy on our Great Dane puppy hoping we would never have to use it. Well we did. Spot has been amazing and just having this policy has helped mentally and financially in making sure our puppy had the best care. It is simple to file a claim in the app and they process claims super fast. Like in a week! I have worked in the “people” insurance industry for over 20 years and am very impressed with how everything has been handled. I highly recommend Spot!!!
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5

out of 5

POSTED: | BY: Anonymous

Reimbursement

Quick and easy to submit expenses for reimbursement.
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2

out of 5

POSTED: | BY: Lorraine Lawson

The app is hard to use

The app is hard to use. It won’t let me go back to an original point. Frustrating!
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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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