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: Rachel B

Spot Pet Insurance is the Best

Spot Pet Insurance came through when I needed them most. My precious dog passed away after a tragic and random toxin ingestion beyond my control. It feels like I’ve lost my child and I’m deeply devastated. When I hospitalized him, I immediately reread my coverage plan in a panic. I work in the entertainment industry in Los Angeles and our industry has been on a double strike for over four months which has put me in a compromising position financially that I wouldn’t normally be in. If it weren’t for having Spot, I would not have been able to try everything I could to save him and would have never forgiven myself. My dog received the best possible care and though my efforts were a loss, I can rest in knowing I tried my best and did not have to suffer absolute financial ruin for doing so. I am so thankful to Spot and couldn’t recommend their coverage enough. They made it as seamless as possible and I was reimbursed within a week of the accident. I hope anyone reading this does not ever, ever have to utilize it for the same reasons, but it is absolutely worth paying into the largest policy you can. Even after reimbursement and cancelling my policy, a Spot staff member even called to send condolences, and ask if there was anything I needed. For a (now) non-paying customer, that felt so kind and was one more step further in good customer service. I am so thankful that Pet insurance like theirs exists. Thank you with all my heart!
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3

out of 5

POSTED: | BY: Chet Zaremba

Is it worth it??…

The money you pay when you take your dog to the vet is a fraction of what you get back from Spot Insurance!!
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5

out of 5

POSTED: | BY: Lily Krentzman

Our claims were expedited so quickly

Our claims were expedited so quickly. Making a difficult time better.
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4

out of 5

POSTED: | BY: Richard D

So far so good

So far, so good. Still waiting for one claim to be finalized but impressed that SPOT provided an update so that I would know about the delay.
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5

out of 5

POSTED: | BY: Peter Bennett

Easy Claims

The process for filing a claim was extremely easy and the CS experience is awesome.
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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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