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.
5

out of 5

POSTED: | BY: Joyce

A very happy customer.

In 30 years of owning dogs and cats I have never signed up for pet insurance so I was apprehensive about taking insurance on our new rescue. Veterinarian costs have become outrageous and I felt it was necessary. I researched a number of companies but felt Spot Pet Insurance seemed to offer the best coverage. I have not been disappointed. The claims are easy to submit. Spot's customer service is excellent and the communication regarding the claims is accurate and timely. I have set up my account for direct deposit and was pleasantly surprised when my claim was approved and the deposit was made within 5 days. I highly recommend this insurance company especially for a young animal. Just note that pre-existing conditions are not covered. I am a very satisfied customer.
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5

out of 5

POSTED: | BY: CCinUp

Simple Claim Process

I submitted my first two claims with Spot Pet Insurance. The process was easy to follow, the questions and information I had to provide was nominal, and the turn around time to process was phenomenal. I was pleasingly surprised at how simple it was to submit a claim and how quickly Spot Insurance reimbursed me for the money spent. I highly recommend them for pet insurance needs!
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5

out of 5

POSTED: | BY: Patricia Shaffer

This was my first time filing a claim…

This was my first time filing a claim so I had to call with a couple of questions. The Spot staff person was polite and very helpful. The claim form is easy to fill out and submit. The amount of my claim was quickly sent to my bank account. Overall, I am very happy with Spot Pet Insurance!
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5

out of 5

POSTED: | BY: Jeffrey Mihut

Claim processing was super short

Claim processing was super short. I've had 2 other pet insurances and this one got it done within a work week. Claim and direct deposit done in 3 days.
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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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