5
out of 5
POSTED: | BY: Scott Litherland
Fantastic Experience
Signing up is super easy and the coverage is explained in easy terms. I haven’t used the insurance yet but will update this review when I do.
4.8
out of 5
Number of reviews 149
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: Troy Fargo
Spot makes vet bills a breeze
Spot is so easy to use and get reimbursed fast when I have to take my German Shepard to the vet. I really like that I can file a claim via the app and I truly feel like I've joined a family of pet parents that care about their furry friend's wellbeing.
5
out of 5
POSTED: | BY: Lexie Alpeter
Great Customer Service
We got Spot for our flat coat Albus and we have been lucky enough that he hasn’t needed to use his accident coverage. We got the preventative package too and just got reimbursed for one of his wellness visits. Customer service has been great and submitting our claim was a breeze! We love Spot 🐶
5
out of 5
POSTED: | BY: .Marge Destler
Crap
SPOT avoids payment. They've danced around me over $756. For three months. Tryi to wear you down .
1
out of 5
POSTED: | BY: JEFFREY SKY
CLAIMS NOT PROCESSED
Company never responds to claims. I placed 2 claims for my cat's treatment. Neither one has been processed. Nobody ever answers their phone. Put on permanent hold and left my phone number for call back which never happened. Never even received the promised gift card for signing up. Will report to the State Insurance Commissioner.
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.