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: Wendi Pencille

So far I've been incredibly impressed…

So far I've been incredibly impressed with the level of service and the simplicity of SPOT pet insurance processes. I work in the technology field so I know the tendency to go with AI and automated service for as much of the process as possible to keep costs low. I was impressed that I was able to speak to an actual person very quickly when my questions were not included in the FAQ pages. We experienced a nearly fatal accident with our dog just a few days after the insurance went into effect. I'm waiting to see how the process goes forward. Knowing the amount of her care exceeds what I ever expected to pay for her veterinary services, I expect a certain amount of investigation by the SPOT team. But after that concludes I want to see if the service level changes. Update to come. Stay tuned...
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5

out of 5

POSTED: | BY: Nicole

It was easy to sign up

It was easy to sign up. I submitted my first claim and it got approved 3 days later.
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5

out of 5

POSTED: | BY: MRichard

Spot is a great product

Spot is easy to use, a good value for the money and pays claims promptly. I would definitely recommend them.
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2

out of 5

POSTED: | BY: Juliane Rokahr

We’re paying more and more every year

We’re paying more and more every year. The insurance went up $600 for both of our dogs and we’re not getting enough back so it makes sense to keep the insurance.
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5

out of 5

POSTED: | BY: Nicholas Parks

As someone who works in insurance

As someone who works in insurance, this product is by far the most beneficial on its return on investment.
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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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