Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 7,059

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: Donna

Spot loves your premiums, hates your claims.

I have been paying into Spot Pet Insurance (Accident & Wellness coverage) since September 2023, and between March and June, I had to submit 3 claims. The first time they were denied because they needed all of my dog's medical records from his vets, which I had to spend a ton of time coordinated. And all the claims were resubmitted after receipt and denied again because they are "pre-existing conditions" prior to the September 2023 effective date event though his first vet visit was in March 2024. It's like they are looking for reasons not to honor my claims.
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5

out of 5

POSTED: | BY: Annie Kalet

Our claim was handled quickly and we…

Our claim was handled quickly and we were reimbursed very soon after.
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1

out of 5

POSTED: | BY: Leah Waller

They don’t cover ANYTHING

They don’t cover ANYTHING. If your pet is over 4 years old they find any reason not to cover anything. According to Cornell university all pets over 4 yrs old have gingivitis, but if that is found in the pre-dental bloodwork then nothing dental is covered. My dr noted a limp in my cat, for the first time, and wanted x-rays but they decided a limp was preexisting since there was no new accident and would not cover any diagnostics. Basically all they covered was vaccines and the office visit, which didn’t even cover the premium plus the extra gold coverage cost. If you have a new pet that is young, maybe this works but after 4 years, it’s mostly useless. I have 3 indoor cats that only get seen about once a year but I thought since they are getting older I would get insurance on them but it’s useless.
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5

out of 5

POSTED: | BY: Customer

Easy and straightforward claims process

Submitting claims is easy and straightforward, and they are processed promptly! Customer services is kind and professional.
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5

out of 5

POSTED: | BY: Paul S.

Great Experience

great experience submitting claims and receiving quick response and payment.
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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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