Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 9,946

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.
2

out of 5

POSTED: | BY: Susan Noguchi

Spot has a left hand right hand problem

My frustrating experience with Spot lasted over two months. After having sent in a claim with no response, I spoke via phone to the only number posted for service regarding the problem with at least two service representatives both of whom offered scripted reasons for the delay. Each said she would follow up on my disappeared claim and return my call. I heard back from neither. At that point, I was beyond frustrated and sent in a duplicate claim with a note detailing my experiences. At this point, my communication somehow arrived at the Mother Ship and my claim processed.
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5

out of 5

POSTED: | BY: Angela Zhao

speedy claims process

Very speedy claims process. I am very impressed. Website is easy to navigate also.
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5

out of 5

POSTED: | BY: Gaye

Quick responses

Thanks for being quick with the financial reimbursement.
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5

out of 5

POSTED: | BY: Christine Morris

So easy to submit claims and the…

So easy to submit claims and the reimbursement shows up so fast via direct deposit. So glad I chose SPOT pet insurance.
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3

out of 5

POSTED: | BY: Pam Copeland

I have a little dachshund named Bella

I have a little dachshund named Bella. She is very smart and the sweetest dog I've ever had, but she has IVDD. She has had 2 back surgeries and also has cushion disease. Her medicine for the cushions is $190.00 a month. It would be nice to be able to get the insurance. But once again we can't because her illness is pre-existing. Maybe one day (which I doubt) someone will accept little dogs like Bella that have pre-existing illness's.
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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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