Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 9,931

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: elva gray

I can’t express what a great company…

I can’t express what a great company this has been. Placing claims was easy and they paid super fast. Their explanation of benefits are easy to read and funds were placed directly into my checking which made it so convenient. Unfortunately my pup had an injury and cancer that ended her life in just 3 weeks. Expenses were significant but the reimbursement by Spot was quick so the financial hit was minimal and allowed us to provide her with the best care available. I highly recommend purchasing a policy with this company and if we decide to bring another fur baby into our household, I will definitely go with this company again. Thank you Spot for being all you promised!
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4

out of 5

POSTED: | BY: Debra H.

So far so good

So far so good, there was an error, but it looks like the claim is being reviewed. They seem to be on top of things and it was pretty easy to file the claim and ask for it to be reviewed.
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5

out of 5

POSTED: | BY: Vale B

emergency cancer tumor surgery

My dog had a bite from a neighbor dog and a recently discovered cancerous tumor and required surgery, CT scan and other testing. I was as easily able to submit the claim and monitor the progress of the claim. It was resolved quickly and I was notified and received the payment shortly thereafter. I am thankful for pet insurance and the easy process for submitting the claim.
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5

out of 5

POSTED: | BY: Iggy Sanchez

Best pet insurance for your fur babies

Best pet insurance for your fur babies! Quick response to claims and quick on refunds.
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5

out of 5

POSTED: | BY: Barbara Johnson Joyner

Reimbursement

I submitted the documentation for a wellness claim reimbursement. The funds were unexpectedly in my bank account at lightening speed. This company is true to its word.
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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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