Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 7,928

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.
1

out of 5

POSTED: | BY: Dang ol B Dawg

On November 1st

On November 1st, I took my cat to Urgent Care and I had inquired about Spot insurance that day. I was informed there would be a $500 deductible and it was $50 a month, so I agreed. For the next month and a half, I was taking my cat to the vet and was communication with Spot. They told me to submit the claims and that I should be expecting payment reimbursements soon. My cat unfortunately had to be put down, and I had to close out with Spot, and they reassured me that I can continue to submit the claims for reimbursement. A month goes by and I receive nothing, so I called them. They then told me that because my cat was taken to the hospital for coughing before I signed up with Spot that they would not cover anything. First off, I signed up the day of, not after.. second, I was not made aware of that policy and had I known, I would have been much more diligent in where I would have taken him. So instead of them doing their job, they did not communicate that part of the policy to me, took my money and I ended up with nothing.
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4

out of 5

POSTED: | BY: Lisa Consentine

Decent monthly price with good value. The reimbursements come in a short amount of time.

I switched from nationwide to spot as nationwide became far too expensive. They kept going up in their rates so far I’m paying for two dogs. What I was paying for one at nationwide and my coverage is very good and reimbursement, quickly.
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5

out of 5

POSTED: | BY: Sol-Luna Farm

Great first experience…

Took my girlie for her annual and filed a claim on her wellness coverage. Super easy process, great communication and quick resolution. Very happy with this company. Would highly recommend!
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5

out of 5

POSTED: | BY: Molly Mccauley

Great assistance

The rep I spoke with when I called in to ask about a claim was very helpful. She answered my questions, waited to make sure I could get into my account on the app, and walked me through the process. She acted like she really wanted to help me and not just rush through my questions. Very polite.
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5

out of 5

POSTED: | BY: Ana Melissa Sayoc

Navigating their website for submission…

Navigating their website for submission of claims is easy. Reimbursement for my claims got deposited into my account in only a few days after I submitted my claim. It was a fast and easy process. Their monthly premium payment is reasonable. 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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