Spot | Pet Insurance Review

4.7

out of 5

Number of reviews 6,440

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 2.9
  • 4.7
  • Count
  • 1
  • 11
  • 6,440

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.
5

out of 5

POSTED: | BY: Lisa Damian

Medical emergency for my dog

I recently had an medical emergency with my 2 year old Bernedoodle that required her having surgery immediately. I contacted Spot directly to inform them I would be needing to submit a claim shortly. Once submitted, I contacted Spot again and the associate was excellent in making sure that I had all the necessary documents for this claim. She actually went even further by contacting the Veterinary Hospital directly to obtain all the doctor's notes before I submitted. The claim had been processed quickly after that call and I am very satisfied and grateful to Spot and the associate who helped me with my claim.
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5

out of 5

POSTED: | BY: Rachel Morales

Great experience!

My experience with Spot has been great so far. Reimbursement is quick and efficient with using the app!
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5

out of 5

POSTED: | BY: Ed Frere

Affordable, easy to use, and excellent coverage!

Affordable, easy to use, and has covered needed puppy procedures. I appreciated the ability to customize a policy for the coverages and costs I was looking for. We have 2 puppies (one is now 2 years old and the other is turning 3) that we've purchased insurance through Spot for. We purchased only the accident / illness policies, not the wellness and also opted for higher deductibles to keep down the cost of the policies. The younger puppy has needed a few surgeries related to his eyes that was unforeseen; however, the surgeries helped alleviate the problems and the insurance greatly enhanced our ability to afford the procedures. The app and the claims process were very easy to use. I highly recommend taking a look at Spot if you don't have insurance for your pet.
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5

out of 5

POSTED: | BY: Anonymous

Always receptive

Always receptive. So easy to submit a claim online and I get reimbursed very quickly.
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5

out of 5

POSTED: | BY: Robert York

I love spot ins they have been a big…

I love spot ins they have been a big help to me and my fur baby Recee. I tell everyone about Spot
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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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