Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 11,138

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.
1

out of 5

POSTED: | BY: Mary Honaker

Unsatisfied experience in Nebraska

After spending $357 a month to ensure my four dogs I received notification that each dog was going to increase by at least $20 per dog per month. So I decided I was going to change insurance companies. The final straw was that I had them in for their wellness check on 5/14/24 which I have insurance for. After a $4000 vet bill for all of my dogs because I purchased all of their heartworm and flea and tick for the year for all four dogs plus I had to have a couple ancillary things done I only received reimbursement of $197.80 for one dog $347.82 for the next dog and for the two youngest that are only one year I only received $237. After calling and speaking with someone in claims on 6/14/24 I was given a lot of excuses no satisfaction. This I believe is because they have a new underwriter for the company and they don’t want to reimburse the way they used to. That’s a shame Spot insurance used to be one of the good ones.
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4

out of 5

POSTED: | BY: customer

It was very easy to put in my claim

It was very easy to put in my claim. I received notification that my claim is being processed, but I only gave it four stars because it has not posted in my account yet.
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5

out of 5

POSTED: | BY: Ashley Green

This insurance is amazing and so easy!

This insurance is amazing and so easy!
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5

out of 5

POSTED: | BY: Priscilla

Actually gives the percentage back

Actually gives the percentage back, love the customization of the plan, only downside is if you make an 80%plan or lower u cant upgrade it to like 90% after.
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5

out of 5

POSTED: | BY: Sara Hoover

I called directly when I received no…

I called directly when I received no response to a mailed claim in May. The rep was very kind and helpful. He patiently explained that I could email the docs since I had made copies before I mailed the documents. I did so and am pleasantly surprised to have gotten a fast response and a reimbursement. Thank you!
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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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