Spot | Pet Insurance Review

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

POSTED: | BY: Sarah Garner

Excellent insurance!

Spot insurance has saved us! We were very lucky with our first dog, he barely ever needed to go to the vet except for his yearly check up, and insurance was never even a thought in our minds. Now with my second puppy we have learned the hard way, she has had a major allergic reaction from swallowing a bee, eating unknown items to cause gastric hemorrhage, and now an antibiotic resistant 4 month long UTI. I certainly learned the hard way, so I signed up for insurance after her hemorrhage cost us near 2000$ at the ER vet. This UTI that she currently has, has cost near 1000$ and I’ve already been reimbursed 700$. We love insurance and we believe in insurance! We will forever have our puppy’s a policy with spot insurance, Thanks spot! We surely can sleep at night with peace of mind and we love our beautiful corgi, Sabrina :)
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5

out of 5

POSTED: | BY: Alison Judy

Ease of use

Spit pet insurance is SO easy to use and submit claims. It can all be done via the app.
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5

out of 5

POSTED: | BY: Lynda Conley

Always helpful and understanding!!

Always helpful and understanding!!
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2

out of 5

POSTED: | BY: Marie

Inflexible and Misleading

Spot is....ok....if you're just looking for cheap pet insurance and hoping that not much really happens to your pet. It's all self-submit so you have to be diligent and it can be a hassle. The standard insurance is ok, however you can't change your reimbursement amount after you've started the plan, which means as vet costs rise over the period of your pets life you're reimbursements won't adjust with that. Additionally, the preventative plans are a scam. I was convinced by a customer service agent to add on the Gold Preventative plan this year and unless your dog is sick you really don't need any of those benefits, but if they are sick they won't actually reimburse you because it's a "preventative plan". For example, I took my in for a Wellness Exam that should receive a $50 reimbursement through the gold plan, but since the vet found something wrong with my dog during the exam I was told this is now considered an "illness" and wouldn't be eligible for the $50 reimbursement. Isn't catching an illness the whole point of a wellness exam?
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5

out of 5

POSTED: | BY: Kathy McMahan

Every time I called with questions…

Every time I called with questions regarding my policy and claim process, the CSR representatives were kind, patient and very helpful. Gigi’s surgery didn’t go as planned and we have to go back for emergency care and Spot was again super helpful with the process.
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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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