5
out of 5
POSTED: | BY: Janice Mlinar
Claims are processed quickly
Claims are processed quickly. Everyone is professional and very helpful.
Read more on Trustpilot
4.7
out of 5
Number of reviews 6,474
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: Caron B
I love the ease of filing claims as…
I love the ease of filing claims as well as the speed of getting reimbursed. I also love the options of having different levels of coverage. I have three dogs and I can't imagine not having Spot Insurance!
5
out of 5
POSTED: | BY: Paul and Lisa Civitelli
Excellent Overall so far!
Excellent app, quick and easy to use and the several times I spoke to customer service they were helpful and very polite.
5
out of 5
POSTED: | BY: Ann Cruz
Bivvy Insurance
This review is for Bivvy. They had the best prices, fastest turnaround, helpful on--line or on phone. So easy and quick filing claims on line, had my money within a couple days. Unfortunately, they went out of business which is so sad. When they closed they suggested using Spot. My insurance with Bivvy was $14 a month, now because my dog has a preexisting condition they won't cover, but still want me to pay $123 a month! I know my dog is older and more prone to vet visits, so I expect his insurance to be more now. All the insurance companies I have received quotes from are close to $100 or over. I am on a fixed income and can't afford that much every month. My dog has Cushings, he has to have blood work every six months which is $365 each visit and his medicine is $138 a month. Maybe Bivvy went down because of so many costly claims and cheap prices, who know, but I sure will miss them. If anywhere out there knows where I can get decently priced insurance or a deal for seniors, please let me know. Hopefully you can comment to our posts.
5
out of 5
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)