Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 7,865

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: Terra Fry

I was thinking about getting pet…

I was thinking about getting pet insurance and a friend had Spot and told me they were legit and easy to work with. I purchased the policy about 7 months ago. Now, my premiums are pretty expensive because my cat is older, but that's when you need insurance, right? He'd never really been sick, so no pre existing conditions to worry about. Last week, he got sick and ended up having to have surgery for a large hairball I. His stomach. It was too large to pass. I submitted my claims for all of the visits and attached my invoices from the vet. Spot did everything else. Before the week was over, they had initiated deposits to my account for exactly what my policy said they should pay. I'm thrilled with them and I'm pretty happy with myself for getting it when I did. If you're on the fence, don't wait! You could need it sooner than you think.
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5

out of 5

POSTED: | BY: Alex Jose

Super easy to submit my vet bill

Super easy to submit my vet bill and receive insurance benefits. I downloaded the bill and gave a brief description of the illness of my dog Archer. In less than a week I received an email from spot that my claim is been reviewed and 90% of the invoice will be covered. Very happy and satisfied. This is my second time in 4 years to submit a substantial injury / illness claim.
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4

out of 5

POSTED: | BY: Martin Kelly

I have had to make 2 claims in quick…a

I have had to make 2 claims in quick succession already this year and Spot have been first class in their response both times. Very quick and extremely efficient. I could not be happier with their service. Highly recommend.
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5

out of 5

POSTED: | BY: Ariel

Always easy to file

Always easy to file, timely responses and good coverage for my dog. Thanks for being there in times of need!
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5

out of 5

POSTED: | BY: Amber J Rothhaupt

Vet Tech’s Approval

I’ve had spot for about a year and a half now and they have been great. I like the multiple options for deductibles and reimbursement percentage, and I like that I am reimbursed within a week or 2 of filing the claim. I also like that there’s a multitude of options for your specific plan and a lot of of the options fit within someone’s budget. They are extremely affordable while also providing the owner with coverage that is more than the bare minimum.Every time I call, they refer to my pet by name and ask how he’s doing and overall seem like they genuinely care about the pet when I do have questions or concerns. They’re also very eager to help and get to the bottom of any problems. From a vet tech perspective they are also great! They’re due diligence with following up on a claim is extremely timely and they are specific with their requests.
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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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