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: Summer

My experience has been acceptable until recently making them great

My experience has been acceptable with Spot until recently last month I lost my best friend of 8 years. Spot answered all my questions and concerns regarding his coverage and overall policy information. The representatives were very responsive and respectful. They didn't transfer me to 4 different people or place me on several holds during our conversation nor was I rushed off the phone like other companies. Even after the called ended I received a voicemail from a representative who informed me that she'd heard of my recent loss and the remorse in her voice was so genuine that it brought me to tears. Spot has made my experience with insurance vastly different.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Rudy Carrera

SPOT on service!

This is my 3rd year with coverage for my 4yr old Boerboel. I got the coverage cuz she’s a giant dog breed. Last year I made my first claims for regular/preventative care and the claims were processed timely and with direct deposit. My girl had an unfortunate accident this year and needed a very expensive surgery for her torn Cruciate Ligament. I was scared that the underwriting would be scrutinized and a longer process BUT, it was also handled and reimbursed within a week! That was such a relief when your dog’s health and personal finances were in need. Great job SPOT. You truly are the best plan for man’s best friend.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Mary Dahlheimer

I am very pleased with Spot Pet…

I am very pleased with Spot Pet Insurance! My dog Pepe, recently had some medical issues come up which were quite costly. My claim was handled in a timely manner and I was able to recover most of the money I had spent on this treatment. Thank you Spot Pet Insurance for all help!
Read more on Trustpilot
5

out of 5

POSTED: | BY: Amber C.

Very easy to submit a claim

Very easy to submit a claim, and it was processed in a very timely manner. So glad that I have trusted Spot for my pet insurance.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Maria Burgos

Everything was done in a quicker than…

Everything was done in a quicker than expected manner. No hassle at all.
Read more on Trustpilot
Please leave a review

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)
Provider website

Get a quote today

Leave a review