5
out of 5
POSTED: | BY: Duane
Super fast and fair
Super fast and fair
Read more on Trustpilot
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.
4
out of 5
POSTED: | BY: Dwi Haryanto
Finally Found the Right Pet Insurance
I spent months comparing different insurance options before choosing Spot, and I’m so glad I did. The coverage is clear, the claims process is simple, and reimbursements come quickly. Having both accident and illness protection gives me peace of mind, and I love that I could customize the plan to fit my budget. My dog had an unexpected surgery recently, and Spot saved me from a huge financial burden. Highly recommend to all pet parents.
4
out of 5
POSTED: | BY: Sharran Wattley
All 3 of my dogs have Spot
All 3 of my dogs have Spot, i’m new to them no issues so far. They have an app which is easy to use and maneuver around. So far Love it.
5
out of 5
POSTED: | BY: M. M.
Satisfied Customer
Review of my claim was quick and funds deposited into my bank account within a matter of days. I've never had pet insurance before so this was a positive experience.
1
out of 5
POSTED: | BY: Jaleesa Taylor
Inconsistent responses/ poor customer service
I filed a claim for my 7-month-old puppy at the end of August. When I was notified that additional information was needed, customer service informed me to get full notes from my vet and email them. My claim was denied because medical records were required for at least a full year, which didn’t make sense. After two weeks of no response, I called again and was told the claim would be reopened. However, after another week and a half, I was informed that the claim was not reopened. Finally, a third rep reopened my claim and ensured a follow-up. When I received a denial a few days later, it stated that I only had accident coverage instead of both accident and illness. I understand this, but why wasn’t this included in the original denial? Due to the poor customer service and inconsistent responses, I’ve canceled and gone to another service.
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)