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: Nakul More

Heartbreaking Loss Made Worse by This Insurance Company

I would strongly advise pet parents to think twice before choosing Spot Insurance. When my beloved pet passed away, I expected empathy and support. Instead, I experienced delays, unclear communication, and a frustrating claims process during one of the most painful moments of my life. I had to repeatedly follow up, provide changing documentation, and push for basic answers while grieving. Pet insurance is supposed to provide peace of mind in emergencies and loss. This experience did the exact opposite. The lack of compassion and accountability was deeply disappointing. If you are buying insurance to protect your pet and yourself during difficult times, this is not a company I would trust. Losing a pet is hard enough. Dealing with this insurance made it harder.
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5

out of 5

POSTED: | BY: Piper’s Mom

Spot is the best

After owning several dogs and never having insurance, we decided that we would get it with our new mini dachshund seeing as we paid $$$ for our last ones ivdd back surgery. Spot is one of the few if not only insurance that covers genetic disorders. Thankfully we got insurance bc at 1.5 years old our Piper has gotten into more trouble than all my other dogs combined. Spot has given us the biggest peace of mind. We will never not have insurance, we will never not have spot.
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5

out of 5

POSTED: | BY: Carol Hawkins

Very prompt in processing your claims!!

Very prompt in processing your claims!!
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5

out of 5

POSTED: | BY: Yvonne Whittier

Claims process is easy and efficient

Claims process is easy and efficient. Processing is fast and fair.
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5

out of 5

POSTED: | BY: customer

Painless & Simple

Unfortunately, we had to use our pet insurance, but Spot has made it painless and simple.
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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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