Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 7,195

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: Aaaron

Scam.

Purchased insurance for my cats. Took them to the vet for illness. They claim 1 day decision time on claims. Took about 5 days. Bill was $284.90 with a $100 deductible with 90% reimbursement. Covered no part of the bill and even managed to claim that I didn't cover the deductible despite that the bill was nearly 3x the deductible. For my other cat, insurance was purchased around 10 months ago. Made a claim on it which surpassed the deductible. Still says $0 of the $100 deductible has been met. **In response to calling their customer service team, I have. They lied to me multiple times and made up lame reasons for declining coverage- somehow an examination fee (the fee the vet charges to examine the pet) is a "pre-existing condition"? I explained that to them but they continued to stay that is a pre-existing condition. Somehow a test that diagnoses them with a new condition that they never had is also categorized as a "pre-existing condition". I called her out on this. She hung up on me. Scam company. Only sign up for their coverage if you want to throw away your money.
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5

out of 5

POSTED: | BY: Bob Klein

They quickly reviewed & paid my claim

They quickly reviewed & paid my claim. It was a big hospital bill as we had to rush our dog to a 24/7 hospital on a weekend after she collapsed.
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5

out of 5

POSTED: | BY: Michele

Just started

Just started with them but so far it has been easy and quick.
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5

out of 5

POSTED: | BY: Trish

Enrolling in the pet insurance was very…

Enrolling in the pet insurance was very easy. A couple of months later, my dog had an incident with exposure to a toxic substance. I immediately took him to a pet emergency hospital and he was taken care of. Spot insurance processed my claim for reimbursement and received it with no questions and within a week. Thank you for making it easy to sign up and process a claim.
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5

out of 5

POSTED: | BY: Ruben Rivera

Affordable insurance for Pet Owners.

Affordable insurance for Pet Owners. Easy use of App to submit claims with quick reimbursement of funds.
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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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