4
out of 5
POSTED: | BY: Heather Hosak
Ease of making claims.
Ease of making claims.
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4.6
out of 5
Number of reviews 7,033
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: Sarah Black
Incredible and EASY insurance experience
Truly caring and wonderful customer service, excellent options, best monthly rate of any other provider I’ve found, and best of all claims were extremely quick and easy to file when my dog had a health crisis. It took so much stress off our shoulders at a very stressful time. We are incredibly appreciative and would absolutely recommend Spot to anyone with pets!
5
out of 5
POSTED: | BY: Tracy Smith
My dog went blind
My dog went blind and also damaged her teeth in the span of a few weeks. It was incredibly traumatic and expensive but after our deductible was met, Spot Pet Insurance covered almost everything. They were compassionate, caring and very efficient. Filing a claim on their website is super easy. Insurance companies for humans could learn a lot from them!
5
out of 5
POSTED: | BY: Romeo
So far, so good
Spot is very easy to use and submit claims. When you are due a reimbursement it gets processed fairly quickly. We have not had any issues and we've been using Spot since February 2023. This is a great insurance and service for people that can pay up front.
4
out of 5
POSTED: | BY: Chase
Easy to submit a claim and claim is…
Easy to submit a claim and claim is processed quickly. Wished they would break down the details of itemized line items what amount accepted.
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)