Spot | Pet Insurance Review

4.7

out of 5

Number of reviews 4,472

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.4
  • 4.7
  • Count
  • 0
  • 12
  • 4,472

Updated: November 13, 2023

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: MissE

Affordable!

I chose a plan inbetween that I can afford which included accident/Illness along with the preventive. I took both babies to get their check up with shots and am very happy with my reimbursement. Payment came back prompt. I did not have to do anything but send the bills in. Spot took care of the rest! Thank you for taking care of us!
5

out of 5

POSTED: | BY: Estephinie

It’s very self explanatory and easy to…

It’s very self explanatory and easy to use and you’re you submit it. And with no problems u get reimbursed for your visits. Love it
4

out of 5

POSTED: | BY: Stephanie W.

Rapid Response

The claim process was super quick and pretty uneventful. I appreciate getting reimbursed so quickly. I think the only thing that felt "weird" was that I felt like I was being blamed for you guys not having received medical records from my previous hospitals. I didn't like having the ultimatum of closing the claim because you hadn't received records. But I appreciate all that you guys do. Thanks for everything.
5

out of 5

POSTED: | BY: Brenda Harter

Great service

Fast, efficient processing of claims. I had to call customer service with a question and they too were amazing.
5

out of 5

POSTED: | BY: Julia Morgan

Quick review and fast payment

Spot quickly reviewed my claim and every charge of the $1100 bill was allowed at 80% according to my policy. They were also prompt with direct deposit to my bank. A real relief after the worry of an injured pet.

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)

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