Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 7,163

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: Jennifer Garcia

The best of the best

Spot is super simple and easy to use. I spend about $50 a month and i have to admit i thought it was a waste of money at first, but i was very, very wrong. Its worth every penny and i will forever recommend them to anyone looking for pet insurance. My dog became sick suddenly and the reimbursements from each doctors visit was worth it in the end. Pet insurance is definitely something every pet parent should invest in, because in the long run (as your babies age) it saves you so much money and gives you some security. Its easy to get a hold of someone if necessary, submitting a claim/documents is simple, especially using the app. The turn around of submitting the claim, it being reviewed and then getting my reimbursement is quick. I have absolutely no complaints about my service with them.
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5

out of 5

POSTED: | BY: Alexandra Bransky

Great insurance

Have this insurance for about a year for my pup. So far nothing but a good experience.
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5

out of 5

POSTED: | BY: JO ANNE

A human answered the phone and knew the…

A human answered the phone and knew the answers to all my questions. The website is also very easy to use!
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5

out of 5

POSTED: | BY: Janet

First time using Spot

First time using Spot and the claim process was so easy.
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5

out of 5

POSTED: | BY: Rosa Creech

The quick turnaround

The quick turnaround, clear and concise explanation of benefits
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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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