5
out of 5
POSTED: | BY: ELIZABETH
Good job
So far, so good. Set up for direct deposit and got a refund for my puppies vet visit quickly.
Read more on Trustpilot
4.7
out of 5
Number of reviews 6,485
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: Trish A.
Spot insurance made our lives easier
Spot insurance made our lives easier, claim processing is fast and easy. I will recommend the spot insurance to everyone.
5
out of 5
POSTED: | BY: Andrea Garay
Spot pet insurance is excellent
Spot pet insurance is excellent. They always take importance to my claims. I have been to other insurers whose main objective is to make money only. God bless you. 🐶😇
1
out of 5
POSTED: | BY: O.o
Spot has a pattern of lying, bullying, cyber stalking
In experience paying this highly dishonest company, I have found them IMO to be underhanded, passiveaggressive, unethical (lying to deny obviously legit claims) and slightly paranoid and obsessive.
In addition to REPEATEDLY refusing to pay a claim that was 100% legit, and failing to comply w their own appeal rukes, once I won a BBB case, they refused to communicate with me to work out the details until I complained to orgs that regulate them.
It appears they only tried to close the case so it was closed and then had no intention of working anything out with me. I believe they also might be cyber stalking me as I have had a review repeatedly removed by them on a review site that was a legit review and it also appears they create aliases to create false positive reviews to increase their scores.
One week, their BBB review score was 1 star and some with over 100 negative complaints. The next week I guess they paid to clean it up bc suddenly it’s 3 stars and some, with only about 30. I didn’t screenshot it, but I saw it with my eyes. They intentionally did not responded to over 30 emails trying to work things out peacefully WHILE I WAS A PAYING CUSTOMER, and they have blocked me on social media as well.
I am convinced that their positive reviews and high ratings are completely paid for. I met someone else they blocked on FB, and probably did worse things too so this is a pattern. They blew off totally legit cancer claims and made her cry daily.
IMO they only act like they care about animals, but seems to me they only care about $$$. I’m sure they’ll be petty and try to get this review removed too because that’s what thin-skinned bullies do. They are insanely petty bullies who are basically the corporate equivalent of malignant narcissists and imo they are disgusting losers who are the opposite of their cutesy marketing.
I believe they pay for their p.r. and good ratings w and are completely paranoid, reading and obsessing over every review that exposes their darkness.
4
out of 5
POSTED: | BY: Steve Barbee
Once you figure out the proccess its good!
First claim was a bit confusing, only thing I was fustrated with. Once figured out it was easy and now I know for next time. Out of $392 for bith cats the oreventit8ve care covered $300. So I am already feeling the benifit
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)