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: OCLime

Takes the worry away

I've had Spot for over a year now, I have 3 cats, and have had great experiences with Spot. Easy to manage, sign up my new pets, submit claims, get reimbursements, etc... They are very clear about what is covered and what's not covered, and will reach out to your vets for all necessary records and information they may need. Feel very blessed to have Spot and have share my experience with them, and 3 of my friends have signed up for them. I have even shared at my vet offices how great Spot has been since some of the vet techs were looking for a new insurance company. Really happy customer here! Truly feel lucky to not have to worry if something came up with one of my cats.
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5

out of 5

POSTED: | BY: Heather Jayne

Always a great experience!

Always a great experience! Claim was completed quickly and as always had fantastic service
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5

out of 5

POSTED: | BY: Bunger

So far I’ve had a good experience with…

So far I’ve had a good experience with this insurance. They have reimbursed me pretty well for all but one of my claims (I thought they would pay more for microchipping than they did). Now that we are close to his first birthday we will see how useful it is in the future.
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5

out of 5

POSTED: | BY: James Giffin

This is the best pet insurance

This is the best pet insurance. You process claims faster than human insurance companies. Very pleasant experience with this company. Excellent customer service. Your professionalism and ease to submit claims is much appreciated.
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5

out of 5

POSTED: | BY: Matthew St. Clair

My title.

It was handled very well and quickly.
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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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