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: Jasmine Green

10 day review with Spot Pet Insurance

When I first got the insurance for my two pets, I made some clerical errors. I was able to call within two hours of creating the account and get those errors fixed. I called around 5 pm and someone answered the phone INSTANTLY. They were very helpful and explained any concerns I had with my policy. Two days later I was able to use my premium plan as I sent my dogs to the vet. I spent $650 and got reimbursed over half that amount! There was a small error due to the way the vet did the invoice; so I called Spot and they fixed the issue and gave me a reimbursement for that as well! I am one happy customer!!!
Read more on Trustpilot
5

out of 5

POSTED: | BY: Carlotta

Claim Processing

Spot was helpful with claim processing.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Candace

Great pet insurance claim submission is easy

I was concerned that there may be a lengthy process in submitting the claim or a long wait for review of medical records if and when the med records received from my vet. Submitting the claim was quick and easy. Within 3 days after the claim was submitted, Spot Pet Insurance sent notification claim processed and reimbursement within 2-3 business days.
Read more on Trustpilot
5

out of 5

POSTED: | BY: James Szczur

Was sent check within hours of…

Was sent check within hours of submitting the claim
Read more on Trustpilot
5

out of 5

POSTED: | BY: Amanda Sikes

I just got Spot insurance and did o

I just got Spot insurance and did our first well visit to the vet. Spot insurance was fast in refunding our money.I got prevention, illness, and accidental, coverage. I only used the prevention so far and love it. Customer service has been amazing so far.
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