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: Emma

If I could give it zero stars I would…

If I could give it zero stars I would have. I rescued a poodle three months ago and brought to a vet the next day. He did a basic exam and said she needed some teeth removed and he wanted to test a flap of skin so we booked an appointment for a later date and I bought the spot $4000 pet insurance. She had not been diagnosed with anything at this point. $2500 later she had 17 teeth removed and I turned in the paperwork. Weeks and weeks and weeks went by. The results came back from the flap and it was cancer. Today I was informed that my initial claim was completed. Denied due to pre existing condition. So is the cancer surgery. What a scam this is. I am reporting to BBB. Pet owners beware!
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3

out of 5

POSTED: | BY: Michael Picciano

I really don't have much to go on about…

I really don't have much to go on about insurance. 1st time buyer. Brought my dog to the vet for a routine check up and she told me that she was closing shop in a month and I would have to take my pets to another vet. She is retiring after 35 years. I have not been to other vets in a long time and I am not ready for sticker shock of new vet bills. I thought of trying pet insurance and if it does not work for me I can always cancel it. Let's see where this goes.
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5

out of 5

POSTED: | BY: Yasmin Guadalupe Gaytan

Thank you so much for the gift card it…

Thank you so much for the gift card it is much appreciated we will highly recommend Spot Pet Insurance to family and friends
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5

out of 5

POSTED: | BY: Charlie Cocuzza

Easy to join

Easy to join, fast to pay claims, amazing follow-up, what could be better?
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4

out of 5

POSTED: | BY: Jane Reeves

Too early to tell

I'm still waiting for my paperwork for my Bo girl. But overall I'm content. I'll know better after she is assessed and treated for her anxiety. 🙏🏼🤔😼
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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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