Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 11,124

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: Samantha

HORRIFIC. Did everything right and it doesn't matter

HORRIFIC experience. This company is literally a scam. They are denying an allergy claim on a kitten (less than 1 years old) because it's pre-existing... Our kitten was previously tested for ear mites (common parasite) and it was discovered he had a yeast infection. We treated him for that and it went away. Fast forward to now, where we have recently found out he has some sort of allergy. Because they did prior testing and treatment on his ears, COMPLETELY unrelated to his new illness, they are denying his open claims and all future claims related to allergies. They do not have a formal appeals department either - you write them a letter and email it to them. UPDATE: Spoke with a Supervisor 3/29 and she told me to not bother appealing my case because it will be denied. They will not do anything to help and they have gone out of their way to discourage me from fighting for my pet. All in all I am out of $2500 because I trusted this company.
Read more on Trustpilot
5

out of 5

POSTED: | BY: htmldiva

Great experience!

I dread filing paperwork, especially for my pet. It's frankly a pain. Surprisingly, Spot has it all figured it. All I needed to do was provide some documentation and within 48 hours my claim was processed. How great is that!?!
Read more on Trustpilot
5

out of 5

POSTED: | BY: Clay Varnum

Easy to use and fast.

Easy to use and fast.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Tanya

First time processing a claim

First time processing a claim. It was simple, convenient through the Spot app and fast receiving payments back!!
Read more on Trustpilot
5

out of 5

POSTED: | BY: judith van dynhoven

This was our first claim

This was our first claim. It was easy to submit screen shots of vet visit. Was quick turn around time. Explanation of benefits was clear.
Read more on Trustpilot
Please leave a review

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)
Provider website

Get a quote today

Leave a review