Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 11,399

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: Holly Oostra

Compassionate and affordable

I'm very thankful I switched to this insurance company last year. I was being priced out of the other company (Embrace) as my dog got into her senior years. Spot provided packages and coverage we could afford. I did have a vet check before switching and there was one pre-existing skin tag we later had removed that they didn't cover. But I felt that was reasonable and they covered the majority of the surgery because we were removing new ones as well (less our deductible). Fast forward and our dog developed a large bump super fast. Had it removed and biopsy and it was mast cell cancer and super nasty. They covered the majority of that well, less our copay and the claim process was pretty easy and fast. When the bump came back and started spreading, we knew that was it for our almost 14 yr old girl. We had a mobile vet come and put her down and I filed our final claim. They not only got to that pretty quick, but they turned off the billing for her automatically the day after she died without me having to call. And yesterday, the sweetest representative phoned to give me heartfelt condolences and ask how I was. That was the most human, compassionate, and thoughtful decision a company has made in a long time. I would highly recommend. I've only had good experiences since switching.
5

out of 5

POSTED: | BY: Pamela Saari

This is out first time making a claim…

This is out first time making a claim and it was very easy and it is nice how they have an app to use which makes it better and we did it our claim on Sunday and we heard back already. We never had pet insurance before and so far it is paying off.
5

out of 5

POSTED: | BY: Rena Phillips

Spot Insurance has always received

Spot Insurance has always received, reviewed and processed my claims in a timely manner
5

out of 5

POSTED: | BY: Laurie Welsh

Great communication

Great communication. Fast reimbursement refund.
5

out of 5

POSTED: | BY: Bri Crum

Highly recommend!

Super easy and extremely quick to receive your claim payment!

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 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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