5
out of 5
POSTED: | BY: Mila Gergova
Great experience! Timely and quick
Great experience- timely and quick reimbursement and easy to use the app!
4.9
out of 5
Number of reviews 147
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: Georgia Green
Service, quality and price. What more can you ask for?
After researching several pet insurance companies I chose spot because of the flexibility in choosing the deductible and coverages, as well as the great reviews. The policy document is easy to read and very clear as to what is and isn’t covered. I’ve already made claims under the policy and am impressed as to the communication and turn around time for approval and payment. Everything is done right in the app. They explain what is approved and what isn’t (and why). Apply the deductible, and issue a reimbursement within a couple of days. Customer service is responsive and treat you like a real person. And I even appreciate their informational emails about dog training and other helpful tips. Really happy I chose them. Highly recommend.
5
out of 5
POSTED: | BY: Sam Denunzio
Sam Denunzio
What your receive for the coverage and...
5
out of 5
POSTED: | BY: Bree Mercer
4 days was all it took
4 days was all it took. I am a new pet owner and my baby had to go to the Vet. I was worried about the entire submitting a claim process, but it was seamless. I submitted it on a Friday by Wednesday my direct deposit came and SPOT covered more than I expected. It was seamless
5
out of 5
POSTED: | BY: Bonnie Mcdaniel
Very fast and reimbursed 100%...
Very fast and reimbursed 100% what they said they would
Monthly Cost
Monthly cost varies due to multiple factors including: species, breed, age at enrollment, and postal code.
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 limit of $5,000, $10,000, $20,000, or Unlimited depending on the plan chosen.
Deductible
Age-based annual deductible of $100, $150, $200, $250 or $300.
Age Limits
Dogs: 8 weeks through 10 years, 11 months
Cats: 8 weeks through 12 years, 11 months
Accident Only plan option can be offered regardless of upper age limits
Waiting Period
Accident Only Plans: Next day coverage for eligible accidents
Named Peril Illnesses – 3 days
Accident & Illness Plans – 14 days
Exclusions
The most common types of conditions not covered are pre-existing conditions, breeding or pregnancy care, cosmetic surgeries and wellness coverage (optional wellness plans available as an add-on). To view a full list of exclusions check out our sample policy here.
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 Northbridge General Insurance Corporation and administered by PTZ Insurance Services Ltd. Insurance plans are marketed and produced by Spot Pet Insurance Services, ULC. All Pet Insurance plans have waiting periods, annual deductible, co-insurance, benefit limits and exclusions. Specific products, features, coverage limits, rates, and discounts may vary by province, eligibility, and are subject to change. Medical Conditions that are noted, symptomatic or diagnosed prior to enrollment, or during a waiting period are pre-existing to Coverage and not eligible for reimbursement. Coverage availability varies by province. Not available in Quebec. Preventive Care reimbursements are based on a schedule. Accident & Illness insurance reimbursements are based on eligible treatments and invoice amounts.