Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 9,946

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.
4

out of 5

POSTED: | BY: Cecilia C.

I must say I'm am very satisfied with…

I must say I'm am very satisfied with spot pet insurance my rate is reasonable I've used it for the first time I never had insurance on my animals but it's worth it you never know when something's could happen,they are fast with claims accurate and fair if they're unsure or you're unsure they make sure to contact you as soon as possible and make sure that we are both on the same page.The only thing I dislike about it is the prevented package gold I purchased on extra help with some stuff on it my pup doesn't need an some I won't be using but other than that I'm happy with spot insurance so if you don't have pet insurance or animal insurance I advise you to really look into it it's worth it just knowing that you have backup or help if you ever need it .
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5

out of 5

POSTED: | BY: Lisa Kessler

Great Fast and Friendly Service

Spot representatives processed my claims very quickly and were easy to work with. My only suggestion to customers is to make sure you save all your pets records back 2 years.
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5

out of 5

POSTED: | BY: Linda C

First Timer

This is my first time with Spot and I had a claim sent in plus I had some questions. The person I talked to on the phone was very polite and helpful and answered my questions. They are also quick for the reimbursement and keep you updated every step of the way. Thank you Spot
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5

out of 5

POSTED: | BY: Robert Palmarez

Thank you or being so efficient and…

Thank you or being so efficient and prompt in reviewing and finalizing my claim. The process from start to finish was excellent.
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5

out of 5

POSTED: | BY: Guest

Your system is a little

Your system is a little hard for older people had to ask a freind to help.you we’re quick to work on the claim.
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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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