Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 11,668

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: Michael Yee

Delayed Reimbursement due to Spot error…

The claim was not able to be processed and was told the bank rejected the deposit. Contacted the bank and was informed no document of check attempted to be deposit. It was disclosed a Spot employee must have entered the wrong number to deposit. 2 checks were supposed to be mailed on 03-06 and 03-11-25. To this day neither checks have arrived. After entering bank information subsequent claims were able to be deposited. Why can’t the first two be again direct deposit as it was NOT my error that the wrong information was submitted. Spot has done NOTHING to correct their error. Very dissatisfied
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5

out of 5

POSTED: | BY: R Sweet

Spot Pet Insurance

Spot Pet Insurance provided great and caring assistance in our claim. One of our pets got very ill and quickly needed to be put to rest. They followed up with kind words and sympathy in addition to quickly evaluating our case.
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5

out of 5

POSTED: | BY: JOHN DICKSON JR

Quick and to upload my documents and a…

Quick and to upload my documents and a very fast response.
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5

out of 5

POSTED: | BY: Patricia Mobley

I love my Spot Pet Insurance

I love my Spot Pet Insurance. It has been just wonderful. They’re very knowledgeable and if you ever need any help, just give them a call and they’re right there for you and they answer all your questions. I wouldn’t even think about going to another pet insurance. It’s a must have and they are wonderful thank you Spot Insurance.
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5

out of 5

POSTED: | BY: Jeanne

Claim was processed quickly and as…

Claim was processed quickly and as expected based on our policy conditions and deductible. I do wish there were more options to speak directly to a rep, but overall a very positive experience on a major claim.
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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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