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: Helen Cook

I am so glad I got accident insurance when I did.

I got accident insurance because I've heard of dogs getting attacked in dog parks. My 150 lb puppy is a 15 month old Armenia Gampr and very playful and very timid. He could get seriously hurt by an aggressive dog. Instead he was tied to a heavy metal table by a well meaning friend. He got spooked and ran with the heavy table bouncing behind him. He tried to get away from the table but it broke his femur. There was a kind vet who saw him immediately and xrayed him. She referred me to an orthopedic surgeon. He got surgery within 24 hours. It was repairable via minimally invasive surgery and he was walking the next day. If I didn't have the insurance it would have been a very difficult decision to make. With the deductible plus 20% I'll pay out $2500 instead of the 9k of would have cost. Spot reimbursed me within 48 hours of submitting my claim. I'm thinking of increasing the coverage and deductible. Spot was so easy to work with and their response time was very fast. I'm so glad I chose Spot.
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5

out of 5

POSTED: | BY: DB

Kind service and timely reimbursements…

Kind service and timely reimbursements makes me feel like they care about me and my pet’s well-being.
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5

out of 5

POSTED: | BY: Michele Eachen

They got my money back in great time

They got my money back in great time
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5

out of 5

POSTED: | BY: Linda Curtis

Fast reimbursement

Excellent fast reimbursement
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5

out of 5

POSTED: | BY: Kisha

Better than other carriers

I have a different insurance carrier for my other dog and can tell you that everything about Spot is better. It was easier to sign up my new puppy and the claims process has be super quick. In fact, usually complete within 2-3 days vs. weeks with the other carrier. Definitely recommend and will see about moving my other dog over.
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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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