5
out of 5
POSTED: | BY: Cg
Easy process on a very user friendly app
Easy process on a very user friendly app
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4.7
out of 5
Number of reviews 6,536
Updated: May 29, 2024
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: Spot user
Super fast claim processing and…
Super fast claim processing and reimbursement. App is so easy to use and submitting claims takes only a minute or two.
5
out of 5
POSTED: | BY: Crystal Guadarrama
Satisfied
I decided to go with this company, but was worried about some reviews I read. This company has been good to me. Customer service is great and response time is quick. I've submitted claims and have been reimbursed with no issues. So far so good.
2
out of 5
POSTED: | BY: Meredith Liben
I was so excited about Spot…at first.
I was initially so excited about Spot after researching a bunch of pet insurance companies! I'd had pets nearly all my life but never had ventured into pet insurance before. I have an older GSD and a young, wild GSD pup so it felt like a good time.
Nope.
Going to be a one year purchase and then I'm out.
The app and user experience is slick and easy, So that's not the issue. And the price wasn't outrageous for what I thought was decent coverage. Those are the two stars.
All I can say is read every line of the small print and maybe show it to a lawyer. I DID read it carefully, and I'm alert and suspicious. But when my dog tore his CCL and required surgery, it was denied and I was shocked. Here's why: midway through the 5 or so pages of small print, there was a definition of animal anatomy (I'm paraphrasing from memory): bilateral body parts are considered as a single unit (meaning front legs are one unit, 2 kidneys (I suppose)... 2 pages later at the end, it said that preexisting conditions weren't covered. Of course! I thought to myself. So when my dog tore his CCL they saw from vet records that he'd torn his opposite knee 3 years before... cue the bilateral definition from mid-document. His rear legs were one so the knee surgery he'd had years before were considered prior conditions spread over to the previously healthy leg.
Wow. I would not have put those two widely separated sections together. We were left high and dry with a useless accident and illness policy that didn't actually cover an accident.
The other thing is check what your vet charges for routine car against the reimbursement amounts Spot provides. I didn't do this, so my bad.
I had the wellness policy I for my puppy. The reimbursements are adequate for maybe covering the cost of a low income spay neuter clinic sponsored by the humane society, but NO vet in private practice charges the modest fees that are anywhere close to the small amounts they charge for procedures and check-ups.
I live in a rural area. My vet is not outrageous, but I am still left paying hundreds of dollars for spaying and dozens of dollars for vaccines and wellness checkups even after Spot kicks in its small reimbursements.
Not a fan.
5
out of 5
POSTED: | BY: TOM R
QUALITY SERVICE.
QUALITY SERVICE. CLAIMS ARE PROCESSED IN A VERY TIMELY MANNER. IF PAYMENT FOR A CLAIM IS MADE, THEY ARE RECEIVED IN A TIMELY MANNER.
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 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)