Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 10,558

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: John Wells

BAD SPOT! NO!

Bad start to the relationship with SPOT. We got a 8 week old pure bred Great Dane puppy. We signed up for SPOT day 1 of bringing him home. Unfortunately, at his 11 week birthday de developed loose stools and diarrhea with a cough. this was concerning so we took him to the vet multiple times. I let the vet run whatever diagnostics they believed to be needed to sort him out and then submitted the claims to SPOT to go again our $1K deductible. Spot denied the claim, saying they needed his "ENTIRE CHART" (keep in mind, this is a brand new PUPPY! I had the vet directly email them the chart and CC me to make sure it was done. SPOT as continued to sit on the claim for weeks. They won't even need to pay out for this claim! this will only go against his deductible! We had Nationwide Pet insurance with our last dog and for 10 years we had zero problems and rapid claim processing! never once did Nationwide ask for a "Chart" from the vet, only the itemized invoice from the vet. I am stunned and repulsed by this experience and will be looking for alternative insurance for our puppy. This was NOT a good way to start our relationship SPOT!
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5

out of 5

POSTED: | BY: Whitney Spicher

Quick and easy

Everything gets resolved quickly and coverage is great. We definitely are happy and relieved to have our dog insured with Spot!
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5

out of 5

POSTED: | BY: Jessica M

Useful to have especially with a puppy!!

Fast refunds, no hassle.
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5

out of 5

POSTED: | BY: Elissa Bernstein

Straightforward and worth the price

We love how easy and straightforward the process is. We have had only good experiences with SPOT and recommend them to our friends
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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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