Spot | Pet Insurance Review

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: Emily Ordonez

Get Spot!

I was initially wary of getting pet insurance because I feared that agents would make it so hard to get reimbursed for valid claims. But I bit the bullet and signed up with Spot based on their rave reviews. Well I’m hear adding another rave review because they’ve earned it. I have had no issues getting reimbursed for dog dental, illness, and ER claims. As long as you have the right documentation, you should see your claim reimbursed within about a week. The last thing you need is trouble dealing with pet insurance when you doggy is sick and in the ER. This happened recently to me and is actually still in process. Getting reimbursed by Spot was no trouble at all! I am so thankful for this company and I highly recommend them!
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5

out of 5

POSTED: | BY: Aaron H.

Five stars across the board!

Did exhaustive research before we brought our Corgi pup home and Spot was the clear winner. Best cost/coverage ratio, super quick claims processing, and a user-friendly app. So glad we chose Spot,
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5

out of 5

POSTED: | BY: Emily Ordonez

Get Spot Insurance!

I was initially wary of pet insurance because I just wasn’t sure how difficult that agents would be with issuing reimbursements. But after biting the bullet, I went with Spot after reading rave reviews. Well I’m here adding another rave review because they’ve earned it. I had no problems getting reimbursed for my dog’s dental, illness visit, and pet ER claims. So long as you provide the necessary documentation, you are fine. When you are especially dealing with a scary, stressful incident with your fur baby, the last thing you need is a headache dealing with insurance. This scary incident happened just recently and is actually still in process. But Spot reimbursed me with no issues, and I got the payment within a week. I’m so thankful to Spot and I highly recommend this insurance!
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5

out of 5

POSTED: | BY: Michaela Stephenson

It’s been super easy to file my claims

It’s been super easy to file my claims. My dog is recovering from surgery and so far everything has been covered including her physical therapy and adjustments. I highly recommend Spot!!
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5

out of 5

POSTED: | BY: Jack

Easy Process

Vet fees are the last thing you want to worry about when your pet is sick. Spot has made it easy to submit claims, and reimbursement is timely. Our family is grateful that we had Spot when our dog was sick. He’s well again and a happy pup!
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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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