Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 7,176

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: Corgi’s mom

Good insurance. Quick processing and refund.

As our fur baby requires lots of medical attentions, I can tell you this is a good pet insurance to consider buying. Illness and injuries are totally unexpected when you see your pet for the first time for your breeder, etc. Vets bills are very expensive and you will see often there will be a LOT of testing before they can give proper diagnosis. Hospitalizations could wipe your solid amount of money from your bank account. Prepare yourself. One thing to keep in mind is that SPOT doesn’t allow you to increase annual coverage ceiling so make sure to have a plenty. $50 monthly payment will give you a piece of mind because if you are like us, it would break your heart if you can’t take care of your pet and make him/her feel better.
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5

out of 5

POSTED: | BY: pdk

Great first experience

Easy process, fast reimbursement, A+ experience.
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5

out of 5

POSTED: | BY: Mary Anthony Torres

Potso

Submitted documents and within 24 hours the were completed by the spot support team.
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4

out of 5

POSTED: | BY: Kimberly Thomas

Great Customer Service

Your customer service representative was great to work with. She helped me navigate through some difficulties I had filing a claim.
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5

out of 5

POSTED: | BY: Chelsea Crafton

Everything getting taken care of in a…

Everything getting taken care of in a timely manner and customer service is very friendly. It’s also very easy to submit a claim
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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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