Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 11,050

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.
1

out of 5

POSTED: | BY: April

DEAR SPOT PET INSURANCE

DEAR SPOT PET INSURANCE please read thoroughly when clients write an email to you. I am trying to be responsive by your inquiries and requirements asking for the medical records. And instead of reading through with I am asking, you guys will just send me an automated message and keep telling me I am not uploading anything. and If it was not an automated message, then you guys need to have better working staff. paying $140 per month for pet insurance and still getting this type of service? unbelievable! out of $890, I know I am only going to qualify to get reimbursed for $100 and this is ok! I was aware of it. but even for $100, they will make things superrrr hard for you to get it! if you can stay away from this company, stay away. they have horrible service.
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4

out of 5

POSTED: | BY: Charles Bandini

Pet Parent

Easy to use web sight... Prompt turn around for claim.
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5

out of 5

POSTED: | BY: Romeo

Happy Puppy

Got a new puppy and enrolled for spot insurance. Scheduled his wellness appointment the next day and then submitted the claim and it was completed in 2 days!
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5

out of 5

POSTED: | BY: Brent Montoya

Response time is great!

Response time is great!. It only took a few days for my claim to be completed!
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5

out of 5

POSTED: | BY: Cynthia Hawkins

I found the staff to be very kind and helpful!

I found the staff to be very kind And extremely helpful. They were very good about assisting me with some Problems submitting a 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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