5
out of 5
POSTED: | BY: Martha K
Easy
Easy, hassle free claims process and quick response. Thank you!
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4.7
out of 5
Number of reviews 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: Guy
Way overpriced and don’t cover everyday…
Way overpriced and don’t cover everyday basic flea, tick and Hearworm meds beyond a small allowance.
Purchased the premium plan with wellness for over $700.00. Had basic care and spay but never came close to getting over $300.00 covered return dollars to us.
Will not recommend, did not renew. Recommend anybody but spot.
5
out of 5
POSTED: | BY: Donna Luke
I'm very Happy with Spot, reimbursement was fast.
I'm very Happy with Spot
5
out of 5
POSTED: | BY: Hayley Hatfield
Spot Insurance has been fantastic with…
Spot Insurance has been fantastic with my claims. Our dog had an emergency surgery and spot took care of our time in a very good timely manner and reached out to our vet and kept in communication our status. I greatly appreciate this company.
5
out of 5
POSTED: | BY: Arun R
Trying out this company first time
Trying out this company for the first time. The claim process was super simple and they sent me a reasonable reimbursement for some procedures I got done for my pup.
Will stick to them. 👍👍
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)