5
out of 5
POSTED: | BY: Sue
Excellent company
Responses to any questions or comments are immediate. The website is fairly easy to use.
Read more on Trustpilot
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: Steve Burke
Reimbursements are real!
I submitted my vet bills and within 10 days or so I got an update on my account balances. Once deductible was met, I began getting reimbursements directly deposited! I never had pet insurance before, but im so glad I got this insurance for my dog now that he needs surgery.
5
out of 5
POSTED: | BY: Kavita Teli
Really helpful and prompt
Really helpful and prompt
1
out of 5
POSTED: | BY: Jack
I had my dog at the vet recently and…
I had my dog at the vet recently and was speaking to other clients. It was then that I realized what lousy coverage SPOT actually has. I pay nearly $200 per month and the annual coverage is less than 5K. Those with Lemonade and other insurances, pay less than $100 and have coverage up to $50K. Something is wrong here.
1
out of 5
POSTED: | BY: Amy Lynskey
Not worth the money
I have had this pet insurance for my pets life. My pet has a bad hip. He needed surgery so I had the surgery done. I placed the claim the claim was denied. They said it was a pre-existing condition because when I got the insurance I did not have it for 14 days and I placed a claim to have the surgery done. I waited over a year. He just had the surgery done. I replaced the Claim again. They denied my claim. I am very disappointed with this company and I would not recommend this insurance company. Also, I had talked to a customer representative over a year ago and they told me even if it was considered pre-existing, they would pay for it if I had the insurance for over so many months.
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 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)