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.
1

out of 5

POSTED: | BY: Amanda Housley

I think they did me wrong!

Ive been paying for 3 cats for awhile now. 1 kept getting crystals and getting blocked, he needed PU surgery. They denied me because back in March he had a blockage that I paid for, no insurance then. I got him completely unblocked. Its very common for male cats to get crystals and blockage often. They considered it pre-existing, even though I got them removed and in Augast he got new ones and so bad he needed surgery. Each time he gets crystals removed and they come back is a new time and situation. Its not like they were the same crystals as before and he didnt need surgery then. They could have at least helped with the surgery and not the other blockage visits I had.
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5

out of 5

POSTED: | BY: Charlie

Submitting a claim was easy!

Submitting a claim was easy!
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5

out of 5

POSTED: | BY: Tina Cohen

Learn the Spot claim process

Once I learned what Spot needed to place a claim(the soap notes from the vet, as well as invoice), the process went very quickly.
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5

out of 5

POSTED: | BY: Molly Kopchynski

Easy peace of mind

It was so easy to get a quote and sign up. Everything is extremely transparent and easy to understand. The prices also cannot be beat. It was so easy to put in a claim and customer service was so helpful when I had a question. I’m so glad I decided to get pet insurance for my fur baby, it brings me so much comfort to know she’s protected.
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5

out of 5

POSTED: | BY: Christian Pena

Great customer service.

Great customer service.
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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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