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: Justin D'Angelo

If you set the money on fire instead, at least you'd generate a little heat.

We may as well have taken the money spent on our policy and given it away instead. Spot will look for any and all reasons to deny your claims, which is to be expected, most pet insurance is useless unless there is a horrible accident, but if Spot can't find a reason they will make it up. If you question their reasoning, their rude and condescending staff is more than happy to create a different excuse (or in the case of one person we had the displeasure of speaking with, just say "tough"). We're certainly learned our lesson with Spot (who also operates as ASPCA Insurance, be careful out there). Edit since there is no ability to reply to a reply: Even though the Spot representative who replied to this review claims that they are not related to ASPCA Pet Insurance, Spot is administered and their claims are adjudicated by PTZ Insurance Agency, Ltd., who is listed as the producers of ASCPA Pet Insurance. It's different desks in the same office.
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5

out of 5

POSTED: | BY: Diane Borchert

Spot has very affordable rates

Spot has very affordable rates. The claims are processed promptly..no problems since I joined two years ago. I have recommended Spot to other pet parents.
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5

out of 5

POSTED: | BY: John McGee

The app was easy to use and to…

The app was easy to use and to understand. Fast on claims.
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5

out of 5

POSTED: | BY: Taylor Lamb

So far it’s going great!

So far it’s going great!
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5

out of 5

POSTED: | BY: -

Fast and reliable

Easy to submit claims, fast reimbursement, and great value for the money!
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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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