Spot | Pet Insurance Review

4.7

out of 5

Number of reviews 6,467

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 2.9
  • 4.7
  • Count
  • 1
  • 11
  • 6,467

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.
1

out of 5

POSTED: | BY: Jeremy Bottlinger

You should avoid this Pet Insurance…

You should avoid this pet insurance like the plague. I got plans for my two Yorkies, Rex and Macie, and they denied all 3 claims for Macie due to ‘existing condition’ excuse. Complete and utter BS as this was the first time we took Macie to the vet and then a neurologist due to her front legs giving out while walking. We did take her, previously, years ago to have her hind legs examined. I called this morning (10/18) and got the run around. I finally had enough and told them to cancel both of my plans. Typical insurance company in America; take your money and then find any way possible to deny your claim. This world is great… DO NOT use Spot for your pet insurance.
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5

out of 5

POSTED: | BY: Shea

Spot Insurance 10/10!

I really enjoy Spot Insurance!! This is my first time with a pet insurance and I was not sure what to think about getting it. My first claim was processed within 5 days and I received more than I expected when it came to my reimbursement. I appreciate how fast they processed the claim and I would recommend Spot to anyone that has a furry family member.
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5

out of 5

POSTED: | BY: Courtney C

Spot has been fantastic so far

Spot has been fantastic so far! I have been very happy with service and quickness of claims for my Winston’s coverage.
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5

out of 5

POSTED: | BY: Willa Dariff

It is rare to find a reputable company

It is rare to find a reputable company. SPOT has proven itself to be honest, thorough and a pleasure to do business with
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4

out of 5

POSTED: | BY: Casey Price

I really have enjoyed Spot's help

I really have enjoyed Spot's help. The only thing I would change would be I'd like to get an email letting me know a claim has been approved so I don't have to keep checking the app. Also my claim was approved yesterday but the pay out still hasn't hit my account. I think that is something that should be stated in the email as well.
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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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