Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 11,115

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.
2

out of 5

POSTED: | BY: Tricia Jacobson

It's not looking good.

Not off to a strong start with our first use of this pet insurance. We have had Spot insurance since December 2023. At the end of February, my dog would not put any weight on her foot. We took her in, and a few xrays later we learned she tore a ligament in her leg. Just the thing that pet insurance is for, right? I sent over the itemized charges and reasoning of her visit. We opened the claim, and 7 days later it comes back as fully denied. No calls, no emails, just "denied". I had to call in and their excuse was "well we tried getting her records and couldn't." I sent you the itemized list. What more did you need, and why didn't you call me instead of just denying it. They said they reopened the claim, but wouldn't send me a confirmation email etc.
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5

out of 5

POSTED: | BY: Caitlyn Zepeda

Easy to make a claim and quick…

Easy to make a claim and quick processing time.
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5

out of 5

POSTED: | BY: Charles

Spot Pet Insurance has been GREAT!!!

Spot Pet Insurance has been GREAT! Very fast processing of claims. Super helpful when calling asking and asking questions. Just all around awesome customer service.
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5

out of 5

POSTED: | BY: Priscilla Rambar London

Cooper had to have 2 teeth removed and…

Cooper had to have 2 teeth removed and we received the insurance money very quickly
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5

out of 5

POSTED: | BY: Anntoinette Fuccello

Company is great very compliant.

Company is great very compliant.
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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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