5
out of 5
POSTED: | BY: Jennifer Barksdale
Ease of filing claims
Ease of filing claims
Read more on Trustpilot
4.7
out of 5
Number of reviews 6,491
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.
3
out of 5
POSTED: | BY: Barb
They wrote my claim wrong and took something off that my new puppy didn't even get. Need to be more efficient when reading the actual reports
They need to be a little bit more careful when they're writing up a claim because they read my own wrong and charged my dog for something that they didn't get
5
out of 5
POSTED: | BY: Diane R.
It’s a great, reliable company!
During our old doggie’s last days, everybody was so incredibly kind and helpful in providing information and aiding me to file claims. Everything I have done with SPOT has been smooth sailing, easy - it’s all as advertised!
5
out of 5
POSTED: | BY: Tamara Dilella
The claim process with Spot insurance…
The claim process with Spot insurance is fast, easy and very convenient. I am glad I got insurance for my pet.
5
out of 5
POSTED: | BY: Cheryl Cohen
For Those Big Emergencies, It’s a Lifesaver
I was skeptical about purchasing pet insurance because I saw the return on two of my claims was minimal. Then my puppy found a baggie with my daily meds in it that I had forgotten about in the pocket of a pair of pants that were on the floor of the bathroom while I was taking a shower. I came out of the bathroom and found a capsule that she had bitten through and the powder from inside was nearly gone. After a trip and overnight to Emergency Vets, the bill was nearly $2000. I filed the claim, and within ten days $1800 was deposited into my bank account. Now I know why I have insurance!
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)