Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 7,176

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: Michael Young

Spot Pet Insurance Disallows Legitimate Claims

In your review of Spot Pet Insurance, you mention pre-existing conditions. We have had two claims disallowed due to definitions by Spot which have no clinical basis. The first occurred following dental procedures on our Sheltie. Her mouth is too small for all teeth and some were extracted. Spot disallowed the claim because, during a previous exam the vet noted in the medical record that the dog had a grade one dental condition - meaning there was tartar on the teeth. Spot said grade 1 indicated "severe dental disease" and disallowed the claim. Grade one is on a scale of 1-4. Spot has failed to provide their scoring algorithms. The second denial was again based on Spot's definition of a pre-existing condition. Thirty months ago, our Sheltie had an adverse reaction of the skin to a conditioner used following shampoo during grooming. Subsequently, we have instructed groomers not to use any conditioning products and there have been no issues. Earlier this month the same dog was treated for an ear infection. Spot disallowed the claim due to pre-existing conditions. Despite no entry in the medical record to support their decision, Spot determined that the ear infection was caused by the same "allergies" that caused the skin reaction thirty months ago. I believe this is a fraudulent way to avoid paying claims. Please add this practice to the "Cons" of Spot Pet Insurance.
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5

out of 5

POSTED: | BY: Donna Champagne

Seamless online submissions/reimbursement

Seamless online submissions and reimbursement direct deposited to my bank account within a couple of days. I really appreciate the ease of the process!
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5

out of 5

POSTED: | BY: Gustavo Medina

FAST

FAST - Once the Claim was submitted they sent a check within a couple days!
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5

out of 5

POSTED: | BY: Natalya Dubrovina

Fast, Easy, Accurate

Spot insurance has amazing customer service, works fast and provide with reliable policy. Claims process takes 2-3 days, and it’s always easy and accurate!
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5

out of 5

POSTED: | BY: customer

I had an emergency last year that cost…

I had an emergency last year that cost me 800 dollars and set me back a lot. I then looked into pet insurance to prevent this from happening again. Since then, my cat got diagnosed with diabetes. This has cost a lot due to so many pet visits to figure out insulin. Even after the deductible, Spot has saved me from financial hardship.
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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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