5
out of 5
POSTED: | BY: Celeste Barrow
Lulu Accident
Quick response and payment with my claim
Read more on Trustpilot
4.6
out of 5
Number of reviews 7,024
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
5
out of 5
POSTED: | BY: Jennifer Wright
So far so good
Very easy to upload documents. Quick reimbursement. Happy so far!
1
out of 5
POSTED: | BY: Steven
It’s great till you have a claim…
I do not like your claims person handing my first claim on arrow. I gave all the records the breeder had from Feb 27 his birthday to June 7 my “get him” day. Puppies do not have much more than a shot record and a simple write up they are I good health if they are. And arrow was and is. I took him immediately for an exam 3 days after getting him and he was in perfect health. i sent in those exam notes and all soap notes it’s well. You paid this routine claim. Then I sent in all of the emergency claim medical records including x-rays and soap notes from the non-routine claim. You refuse to pay this claim bc you want health records that you already have and records that do not and can ever exists. I have acted in good faith. You have not. I wish I’d never heard of you. I’ve had 4 puppies with the same exact medical records coming from the breeder and never had a problem with other insurance companies. I need you to do the right thing and pay my emergency claim as I have provided all the records from that and all of his medical records en todo again. I have fulfilled every obligation yet you ask for things no one would have. Like you are looking or any reason not to pay a claim I have coverage for. Looks like a bit of “false advertising” to me. I am paying for coverage and providing all there is medical record wise in good faith. This claims person seems to either not know how to do their job or they think we have meticulous volumes records on healthy puppies before we get them. It’s like the only way I’d get emergency coverage is if I’d bred Arrow myself. Which is nuts. I have called and been assured everything is fine and you have all you need. Then I get more nasty grams asking for things you have or don’t exist. It’s like a bad movie.
5
out of 5
POSTED: | BY: Phil
Financial concern addressed!
Thank you for being on hand and so quickly processing our claim. Loved pet issues are a big enough concern but Spot lessens the financial side at least. thank you
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)