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: Ellen

I love never having to hesitate taking my dog to the vet

I’m on my 4th shitzhu and I’ve only needed pet insurance for “last illness”, but Chloe has been a different story. Within her first 6 months she poked her eye in something and it became infected and ulcerated…. First we ran to the vet but after they looked at her they sent us to the Animal Eye Clinic . She needed surgery, multiple meds every day and lots of follow up visits. When it looked as if the eye was saved, as well as her sight, we slipped her in to the vet to be spayed. Then, she scratched her other eye! Back to Animal Eye… this time no surgery but many meds daily and many follow up check ups. We came in close to the $10,000 annual limit ( a little over $8,000) . SPOT paid on each individual claim, less our deductible and then 80% of the balance. Their online portal is even easy enough for me to navigate without help from children or grandchildren! They paid each claim promptly. It’s nice to know I have a financial partner to help keep my Chloe well.
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5

out of 5

POSTED: | BY: Shirin Mishan

Good benefits

The benefits, covering and waiting periods are the main factors that I really like about Spot.
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5

out of 5

POSTED: | BY: Orlando Valverde

They cover a lot more than other…

They cover a lot more than other insurance companies. I'm really happy with them so far. The claim process is easy and their telehealth feature is nice when you have random questions about your dog. The only thing is that it takes a long time to get reimbursed.
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5

out of 5

POSTED: | BY: Randy Harrris

Claims were processed very quickly

Claims were processed very quickly. Very satisfied how fast payments were made. We’re wry pleased with the service.
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5

out of 5

POSTED: | BY: JC

Reasonable pricing for coverage and…

Reasonable pricing for coverage and quick claim/ reimbursements. Highly recommend!
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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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