Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 9,884

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: Pauline Connaughton

Excellent care and service

Excellent care and service! I had a few questions when filling out the form. I called 2x and both times got to speak to a real person who was very knowledgeable, helpful and kind! The submission process was super easy (my questions were in regard to multiple visits for one accident). I got an email pretty much right away saying it was being processed. I chose to have money sent directly to my checking account. Within a week my refund was in my account. It was amazing! Highly recommend SPOT insurance. Most importantly my pup is doing well but not having to worry about a bill I could not afford was such a relief! Thank you SPOT for wonderful care of Finbar and me!
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4

out of 5

POSTED: | BY: Meri

Got a good amount of money back

Got a good amount of money back. It did take a while to review claim but it was a good amount.
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5

out of 5

POSTED: | BY: Neal Carnes

Filing a claim was very easy and the…

Filing a claim was very easy and the processing took days. Very convenient.
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5

out of 5

POSTED: | BY: Freddie

Spot is professional and prompt when…

Spot is professional and prompt when dealing with claims. They are very polite and helpful when answering questions on the phone. Would definitely recommend them.
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1

out of 5

POSTED: | BY: Robert Smith

Would not recommend this company to…

Would not recommend this company to anyone, their explanation for not covering my dogs tplo surgery was that since she had the same surgery 2 years prior, that they considered it bilateral and will not cover it. So it's like they are saying if there's a chance of a disease or ailments then they can get out of the coverage. We all hope nothing happens to us or our pets, but we can't predict what can happen with our health but they seem to think if there is a chance they'll weasel their way out of paying your claim.
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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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