Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 9,963

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: Madison

False Information Given

UPDATE (2/21/24): Spot Pet Insurance attempted to remove this review from Trustpilot since it was not 5 stars. I had to verify my account information three times in order for the review to stay (once should have been sufficient). It should be known that the reason this company has high reviews is that they remove low rating reviews!!!!! I called this company several time both prior to signing up and after to confirm coverage for my cat. I will also say that every single person I spoke with on the phone was extremely rude. They then denied my claim without any explanation. One of the symptoms my cat was seen for was preexisting but the other was treated before enrollment (which I confirmed would be covered and the customer service people lied to me). They need to provide an option to re-submit a claim for further review and provide written explanation on why claims are denied. I will be canceling my service ASAP. I am SO disappointed that I paid for a full year up front. Complete scam.
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5

out of 5

POSTED: | BY: Nayeli Rodulfo

Easy to upload invoices and get…

Easy to upload invoices and get reimbursement on my phone. Very convenient and always easy to reach someone if there’s any questions.
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1

out of 5

POSTED: | BY: Jihad

So far I’ve paid $8000 and just dog…

So far I’ve paid $8000 and just dog medical bills and they haven’t covered not one thing. I’m always declined and on review this place is a scam. I would never recommend anyone to go here. look for affordable insurance else where there’s many out there. I’m canceling my plan today.
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5

out of 5

POSTED: | BY: Nancy Wilson

This is simply the best pet insurance…

This is simply the best pet insurance to have. It is fast and efficient in handling claims and I am so thankful that I took out this policy. My own health insurance should be so straightforward - with Spot, my dog's insurance is better than mine. Keep up the good work - Spot!
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4

out of 5

POSTED: | BY: Jonathon

Great Overall Company To Have Service With

The service that is offered by company is well worth the price and claims are easy to make and help is available if you need it. Also payments are given in a timely manner.
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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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