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: Jerry Phouthavong

Shady Business

If I could give Spot Insurance zero stars I would. I’ve filed 2 claims for my dog already and they keep denying the claim because they are requesting a note from my veterinarian, however they’re requesting a note from a veterinarian that my dog isn’t even seeing. The receipts I provided clearly show Affordable Animal Hospital as his veterinarian, but they keep requesting it from a different office called Riverdale Animal Hospital. They are a scam and I’m filing a chargeback with my bank tomorrow. Please get pet insurance for your dog elsewhere and save yourself the time and money. Steer clear!
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5

out of 5

POSTED: | BY: Beth Starkey-Hill

Good customer service makes a difference

I considereal getting pet insurance for quite some time, and I looked in detail at many policies before selecting Spot. When I called to find out how to do my initial claim, I was very disappointed when the Spot representative told me I had to do it online through your website. At that time, my computer had just crashed. Needless to say, I was ready to cancel. Fortunately, when I called back I spoke with a different rep, and she was so positive and helpful. I completed the claim through the mail, and it was processed by Spot in good time. I now have no plan to cancel my pet insurance. I really appreciated the time that second representative took to help me. With her, Spot pet insurance has a valuable asset in customer service.
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5

out of 5

POSTED: | BY: Yvette Kingston

I would definitely recommend spot

I have had spot Insurance for my cat and dog for about a year now and been super happy with it. Was previously with a different company which was a lot more difficult to work with. Would definitely recommend.
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5

out of 5

POSTED: | BY: Me.

I like the insurance so far is going…

I like the insurance so far is going great with the invoices and all Tha KS
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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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