Spot | Pet Insurance Review

9.7

out of 10

134 Verified Reviews

  • 60 Days
  • 1 Year
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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.
10

out of 10

POSTED: | BY: James McAuliffe

The enrollment process was excellent

The enrollment process was excellent. It's too early to tell how the claims service is.We had Nationwide with our first English Bulldog. They were great in payouts but their service was a little slow. We now have a new 12 week old English Bulldog baby girl. We heard about Spot and decided to try it.
10

out of 10

POSTED: | BY: Tristan Hughes

Super easy

Super easy to use and they even cover my dogs prescription food! That’s hard to find in a pet insurance.
10

out of 10

POSTED: | BY: Della Dossey

Simple and just what I was looking for

The online quote tool was super easy to use and the policies were clearly listed and easy to understand. The only thing that was misleading is that preventative care was covered in the initial price because of the chart that is on the website checking off all the care that is covered, but it doesn’t show until later that the option to add preventative care is an additional fee. Overall great prices and customer service!
10

out of 10

POSTED: | BY: Peggy Cary

Well care

I received reimbursement for a well care visit quickly & am pleased with the insurance
10

out of 10

POSTED: | BY: Amanda Thompson

It was extremely easy to get a quote

It was extremely easy to get a quote and sign up. The website was easy to navigate. I liked the fact that you can be billed monthly or yearly as well.

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)

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