Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 11,666

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: Kelsey

Claims are so simple & repayment fast! So grateful we have Spot!

We were unsure about pet insurance but decided to give it a try as a "just in case" measure... we were so grateful we had it after our dog got sick with a stomach issue (put us close to deductible) and then shortly after we found a growth in his paw that had to be removed (well over deductible)... submitting claims was super easy & credit bank was super fast! No hassle or issues - just had to upload detailed receipt from our vet and done. Thank you Spot Pet Insurance for helping us feel at ease making medical decisions for our 4 legged fur baby with worrying about financial strain!
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5

out of 5

POSTED: | BY: Patrick Skater

This insurance is trustworthy!

This insurance is trustworthy and they process claims easily and swiftly.
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1

out of 5

POSTED: | BY: chrystal morales

Beware

Beware! Use any other pet insurance but this one. They start off great paying the small claims but when something becomes an issue they like to say it’s “pre existing” their rates jumped 40% and they are real quick to charge your card the monthly fee. If my pet had pre existing conditions then why did you pay them out at the beginning? Pneumonia is not pre existing. Pumpkin Lemonade Figo Spot is the worst. UPDATE- Review the account- these are not preexisting conditions- your company paid out several claims for the same issues from 2023.
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5

out of 5

POSTED: | BY: Meadow Wysocki

Easy to use and quick reimbursement

Easy to use and quick reimbursement
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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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