Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 11,668

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.
5

out of 5

POSTED: | BY: Charles Fennimore

The Right Choice

For weeks I researched through all the different insurances for animals and found Spot to be the very best overall, pricing, coverage even reimbursement time. I wanted an Ins I knew I could rely on an I’m happy to say Spot really came through!! There was an unfortunate situation with my 6month old pup, she had ingested something toxic, rushed her to the E.R animal hospital, Drs ran several tests gave different treatments an kept her overnight. Luckily my pup was ok and cleared to come home, which was the most important thing in the end but the bill was expensive. ($1,416) I opened the App, uploaded the invoice an in 3 days I had $1,050 returned to my account (90%) this also included my deductible ($250) so now for the rest of this year I won’t have to pay that again and would be reimbursed even more if god forbid something else happens. Everything was very easy and fast! Spot really was the Right choice! Thank you Spot for all the help!!
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5

out of 5

POSTED: | BY: Elle

Always have a good experience when…

Always have a good experience when submitting claims or speaking with customer service.
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5

out of 5

POSTED: | BY: Joan Farese

Spot insurance is always prompt and…

Spot insurance is always prompt and communicates very well every step of the way..
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5

out of 5

POSTED: | BY: Brian

No complaints so far

Spot was middle-of-the-pack in terms of the monthly rate, but it included diagnostic tests, which was important to me -- I don't want just the solution covered bc finding out what the problem is can be a big chunk of the cost! This is my first year, I'm about 6 months in, and the year has already paid for itself in coverage. Reimbursements are easy -- vet emails me a bill, I upload it to the Spot website, and a week or so later a check arrives in the mail for 80% of the bill.
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5

out of 5

POSTED: | BY: Kelli Buckhannon

Absolutely love this company

Absolutely love this company. Very fast at processing and very friendly staff. 5 stars for sure. I will be adding my moms and daughters dog to our plan. ❤️
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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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