Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 8,257

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: Chyra

VERY HAPPY WITH SPOT!!!

This is the first time I've ever taken out pet insurance, and WOW am I glad I did! I adopted a 3 year old German shepherd, and not knowing his history I thought it might be good to have insurance. Good call.......2 weeks later he had difficulty urinating and had to go the ER, because my vet didn't have an ultrasound tech that day. Well, $2500 later and my dog is fixed. Spot Pet insurance was so easy to deal with. Easy to file the claim and upload all my docs, and reimbursement was QUICK!!! I'm VERY impressed and would highly recommend them to my friends and family.
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5

out of 5

POSTED: | BY: Harriey

Easy to submit my claim

Easy to submit my claim. Any info I didn’t have they contacted my vet for me. Paid quickly once everything was submitted. Took less than 1 week.
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5

out of 5

POSTED: | BY: Ruth LaGrange

Took my Jasper to a wellness puppy…

Took my Jasper to a wellness puppy visit. Less than a week later I had a deposit in my checking account. Couldn’t have gone any smoother than that. I love my choice of Spot Insurance so far!!!
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5

out of 5

POSTED: | BY: Trent Marlow

So easy to submit claim

So easy to submit claim! Flawless online app!
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5

out of 5

POSTED: | BY: Kathleen

Filing my claim was easy and fast

Filing my claim was easy and fast. I’m happy knowing that my pet is covered for anything that should come up and Spot pet insurance is outstanding. Very glad I signed up and so is my pup!
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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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