5
out of 5
POSTED: | BY: Sandra Vazquez
Easy to file!
Easy to file! Very straightforward and the claim was processed super quickly!
Read more on Trustpilot
4.6
out of 5
Number of reviews 10,558
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: C.J.
Spot Pet is incredible
Spot Pet is incredible! We were with a different provider that was super costly and covered nothing. After some research I switched our pup over to Spot and its been wonderful. Clear explanation of benefits. Options to add on preventative care. Easy to use app. I am so happy we switched. I feel the peace of mind insurance provides and Spot is a caring company to work with. Highly recommend.
5
out of 5
POSTED: | BY: David Gelchie
Summitted my bills and payment was with…
Summitted my bills and payment was with out question
1
out of 5
POSTED: | BY: Rachael McPherson
Loyal Customer no more
I have been a loyal customer of Spot since 2021, but after my most recent renewal in November, they have shown their true, heartless colors. My dog, Lady, deserved better than the "convenience" email I received from this company.
They are masters of the bait-and-switch. They moved the goalposts from a general Accidental Death claim to insisting she must have been hit by a car to qualify. When that didn't work, they pivoted to the classic "pre-existing condition" excuse to avoid paying out.
To take my money for years and then deny my claim right after a renewal is disgusting. But the ultimate insult was receiving their cold denial signed off with "Happy Pet Parenting." There is nothing "happy" about how they treat grieving owners and the pets they are supposed to protect.
They don’t care about Lady, and they don’t care about the people who pay their premiums. After four years, I’ve learned that their "coverage" is just a facade. Save your money and your heart—go elsewhere.
5
out of 5
POSTED: | BY: Lee Jones
Really came in handy!
So, so glad I got Spot pet insurance after my dog had an issue with her eye. The visits and appointments really added up and I'm so thankful to get reimbursed for some of the expense. The claim process was easy and the deposit came quickly. Thanks Spot!
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)