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: Juan Casillas

Stay away if you care about your pet…

Worst pet insurance I have ever used and will not ever use again if I decide to get another dog. Their reimbursement policy is repulsive. The reason why I say this is because for their annual spending limit of 2500 is ridiculous especially if your pet gets cancer like mine where each treatment is $900 every 3 weeks so you can imagine that 2500 is going to run out pretty fast. Then when you hit that thresh point they will only reimburse 100 for a $900 bill, truly ridiculous. These people do not care about your pet just another insurance company stealing your money monthly on a horse s*** policy. Stay away and look elsewhere unless you want to have them force you to decide whether to treat your pet or not. So to Spot your organization is garbage just like the current state of this administration.
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5

out of 5

POSTED: | BY: kenneth mcguire

Everything with spot insurance has been…

Everything with spot insurance has been great and easy!
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5

out of 5

POSTED: | BY: Pam S.

Simple, quick, and a pleasure to deal with

Filing a claim is simple, quick, and to the point. Claim is processed quickly. Customer service is polite and addresses every concern.
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5

out of 5

POSTED: | BY: Sandra Alexander

Spot Pet Insurance is a lifesaver

Spot Pet Insurance is a lifesaver! They are fast, efficient, and completed my claim in 2 days! Having Spot is not only financially smart, but the peace of mind knowing they have me covered is priceless 🙏🏻! Thank you!
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5

out of 5

POSTED: | BY: Shelby Strickland

I purchased Spot Pet Insurance just in case, and it paid off!

I purchased Spot Pet Insurance in case my newly adopted dog had an injury. I'm thankful for their quick turnaround of claims. My dog ended up stepping on a stick that punctured her paw and has required sedation, rounds of antibiotics, and multiple vet visits to help heal her paw. Spot Pet Insurance reimbursed me within days of submitting my claim. It was worth the insurance premium!
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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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