Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 7,128

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: customer

We have been very pleased with spot…

We have been very pleased with spot insurance. We had only had our cats insured for about One month. When out of nowhere one of our precious babies was diagnosed with an eye tumor. Spot was very good in being there for us during this difficult time. They reviewed our cat vet records to verify no preexisting condition and immediately paid our bills when they verified all was a new condition. I just want to say to all pet owners. Take it seriously about insuring you’re fur babies. Our babies had always been to Veterinary for all wellness checkups etc. Had always been very healthy.But, this eye tumor came out of the blue with no signs ahead of time. Spot made this scary time so much easier to handle for us.We knew we could get the needed vet care for our fur baby and spot would have our back financially. If you talk to them on the phone they always ask how our babies are doing. So, if you can it is best for you & your babies to have them insured. I know if your like my Husband and myself our fur babies are a part of our family. Our baby had to have his eye removed but he is doing well. Most importantly he will still be able be an important part of our family & enjoy quality of life with us. Thank you spot for being there for our family in this scary time. Cheryl & Mitch
Read more on Trustpilot
5

out of 5

POSTED: | BY: Marilyn

Prompt and exactly as advertised

Prompt and exactly as advertised! For retired folks it's the best
Read more on Trustpilot
5

out of 5

POSTED: | BY: jan

First claim processed quickly and…

First claim processed quickly and easily!
Read more on Trustpilot
5

out of 5

POSTED: | BY: Katherine

Awesome response time

Awesome response time. Claims are super easy to submit. Their portal is super user friendly.
Read more on Trustpilot
5

out of 5

POSTED: | BY: D Van Westbroek

Full Service Experience

Appreciate the seamless, full service experience, from the veterinary nurses available at all hours, to the simple app based upload of claims, and the prompt processing of claims via direct deposit.
Read more on Trustpilot
Please leave a review

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)
Provider website

Get a quote today

Leave a review