Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 6,787

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.
3

out of 5

POSTED: | BY: Lisa T

Been covered since 8 weeks but they want proof with each claim that the illness was not pre-existing …

We signed up for this coverage when our puppy was 8 weeks old. Given this, any claim for illness/injury would have happened within his coverage period. He is now 9 months old and we have submitted three claims. Each time, the company asks for records from every vet he’s ever seen to make sure it’s not pre-existing. With the last claim, they requested records from the wrong vet. I responded in their app and by email three times. I finally had to call to get this corrected. That said, the claim submission process is very simple and user friendly. Hence the three stars instead of two.
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1

out of 5

POSTED: | BY: Chloe Skye

Rejected with no explanation

You didn’t cover any of the most expensive cost that was deemed necessary by the vet, meaning you covered less than 40% of my out-of-pocket cost, despite me not being allowed to get medication without having the procedures done. I wasn’t able to speak with anyone or plead any sort of case, and there is no explanation whatsoever as to why the cost was not covered.
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5

out of 5

POSTED: | BY: Nohemi Jerry

Fantastic customer service.

Fantastic customer service.
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4

out of 5

POSTED: | BY: MaryAnn Valencia

Amost everything went great

Amost everything went great! The process to purchase was straightforward and easy to navigate through... until I tried to summit my claim. I'm sure it's operator error. I could not figure out how to download the invoice. I kept getting an error the file was too big. I finally got it to work, but I don't know what I did 😄. That process could be a little more senior friendly.
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5

out of 5

POSTED: | BY: Pamela J. Krampf

Great communication!

Great communication!
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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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