Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 10,651

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: Gary

New Customer, first time purchasing pet insurance…

I recently purchased a policy with Spot Pet Insurance. So far, so good. I have had 3 small claims. The first claim went against my deductible, but the second two were paid Almost immediately with the money being deposited directly into my checking account. The first claim required a bit of work, mostly because we have two vets because we are snowbirds, one up north and one in Florida. Spot required invoices as well as a full history, including visit notes, but as long as your vet will provide those you should have no problem. Once That first claim is done, subsequent claims have been very easy, no problem, great service. Just send in a picture of the invoice from your Vet, and the money is in your account in about five business days, easy. Highly recommended
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5

out of 5

POSTED: | BY: Kathleen A.

Excellent Pet Insurance

Easy to submit claims, fast claims processing, fast reimbursement
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5

out of 5

POSTED: | BY: Kaylee Hatch

Best choice i made after rescuing my boy!

I was able to submit a claim the same day as our vet appointment, and within 3 days the claim was already accepted! The reimbursement policy type is nice because they still cover all yearly preventative wellness costs so they will never hit your deductible, but then you get paid back a huge portion of your bill!
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5

out of 5

POSTED: | BY: Luis Bacayon

Easy to claim refund

Easy to claim refund
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5

out of 5

POSTED: | BY: Larry Medford

Filing claims and communication are great

Filing claims are easy with user friendly software and Spot has great communications with me about claims or any info I need about my account.
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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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