Spot | Pet Insurance Review

4.7

out of 5

Number of reviews 6,420

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 2.9
  • 4.7
  • Count
  • 1
  • 11
  • 6,420

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: Jim Hyneman

SPOT lived up to its end of the agreement when it was most needed!

The matter of most importance is whether an insurance group will make good on "their" end of the agreement. In my experience, SPOT Pet Insurance has done so without reservations or difficulty. This past year was medically challenging for one of my dogs. He required specialized medical attention and therapy. I can say without any reservation that SPOT honored ALL of its contractual agreements, provided reimbursement funds in a timely matter, and its recordation of the aforementioned was easily available and timely. This was the first time I truly needed SPOT to come through for me ... it did ... and it cemented (again) why I personally believe pet insurance is crucial. Having SPOT has permitted me to make difficult decisions based upon medical objectives and veterinary care without feeling the constraints that financial concerns are the primary basis for a decision or prevention of needed medical care. Thank you, SPOT, for keeping your end of the agreement.
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5

out of 5

POSTED: | BY: Jasmine Bauman

Love love love everything about Spot

Love love love everything about Spot. I worked for another pet insurance for 7 years and I see how different Spot is in terms of coverage and turn-around time. 10/10 from me, Robin, and Lavender :)
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5

out of 5

POSTED: | BY: Anne Beattie

Good experience

Always process claims quickly. Easy to file claims.
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4

out of 5

POSTED: | BY: laura

My pets plan

The quick answer when called good return money value was if filing a claim, but the people who answer the calls could use a little more training on listening to what you need
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5

out of 5

POSTED: | BY: Andrew Johnson

I have a French bulldog who suffered a…

I have a French bulldog who suffered a spinal injury also suffered from a heat stroke, and also had Boaz surgery. Each and every incident they paid and always made me feel like they were more concerned for my pet than the claim! I could not ask for a better company to protect my partner. Thank you !!
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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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