Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 9,917

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: Jamie

We're into our 4th year as Spot clients…

We're into our 4th year as Spot clients for our two Golden Retrievers. We picked Spot for it coverage because they covered (at least at the time) issues specific to the Golden Retriever breed, hip/elbow dysplasia and cancer, without any wait period. While not the least expensive, you get what you pay for. Once you understand that basic pet insurance will not cover the routine visits, but is meant for illness/accident coverage, you'll save yourself a lot of grief. Spot has been great in paying what I felt was covered, and the process for filing a claim over the last few years has improved immensely. It is done on-line, a few clicks, down load the invoice and submit. You can track the status of your claim by logging-in to your account. Been very happy with Spot, premiums went up over the lock down years, but most recent was considerable less than prior year, even with our dogs now 3 and 7 y/o, a very pleasant surprise! Recommend Spot
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5

out of 5

POSTED: | BY: Heather

The process was so simple and seamless

The process was so simple and seamless. We were reimbursed in less than a week!
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5

out of 5

POSTED: | BY: Valerie Hoyt

GET PET INSURANCE HERE

This insurance quite literally saved my cats life. He randomly developed severe IBD and all the tests we had to go through and still have to go through are VERY costly. Knowing I was getting reimbursed had me feeling so much better. They reimburse quickly too! I submit the claim and see the money in my account typically within 5 days. It’s incredible. I wouldn’t have been able to help my cat if I didn’t have this insurance.
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5

out of 5

POSTED: | BY: Nathan

Buying this coverage was the best…

Buying this coverage was the best choice I've made regarding my pets health. Submitting claims takes less than 5 minutes and reimbursement is quick and accurate. There has been no disputes or issues with processing or coverage. I recommend Spot pet insurance to anyone with pets.
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5

out of 5

POSTED: | BY: KATHY RYAN-LAUGHLIN

Pup insurance

I purchase spot insurance when I got my puppy and I used it for the first time to get her shots I was reimbursed for the shots only took a couple days and I received my money back so far I've feel they are far-star company.
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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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