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: Erika Williams

Three Claims In and I gave Spot pet Insurance a 5/5 on all three!

I’ve had three claims now with Spot pet insurance and I have been very pleased. Staff was so helpful and friendly when I called, very caring about my sick pup. All three claims were processed and paid in 7-8 days. App is easy to understand and follow, and submittal process was simple.Everything worked as expected. I tell people all the time about it because so many have had bad experiences with pet insurance. I read the details of my policy when I signed up originally (which honestly was just a few pages and in Easy-to-understand language), and knew what I was buying up front. I also love all the variable pricing options so I could buy what made sense for us. This is a no-brainer 5 star rating!
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5

out of 5

POSTED: | BY: Regina Pergola

The app is VERY easy to use which makes…

The app is VERY easy to use which makes it way easier to get the refunds. The language for the policies are simple to understand.
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5

out of 5

POSTED: | BY: Steven J.

Very easy and simple to file a claim

Very easy and simple to file a claim. They were very responsive and approval was quick!
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5

out of 5

POSTED: | BY: Kristine Tuca

They're very quick with any…

They're very quick with any reimbursement. Wouldnt have any other insurance.
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5

out of 5

POSTED: | BY: Kelly

The claims process could not be any…

The claims process could not be any easier. Just a couple of clicks, upload the receipt and BAM! The claim is processed in just a couple of days.
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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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