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: Christine

Unhappy with Customer Service

I was dissatisfied with the customer service provided by Mathew at approximately 1:35EST on 1/2/23. I asked him why my claim was ineligible for reimbursement and he said because in April 2023 Lulu was treated for a cough and this was prior to her coverage which began in August, 2023. I pointed out that in July of 23 her diagnosis was for a respiratory infection and that now we have identified an enlarged heart as a separate issue. At 1 point Mathew said to me that I needed to get my times straight. The call ended with Mathew professing to take the matter back for research and calling me back. I found his tone and demeanor at the end of the call unprofessional.
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5

out of 5

POSTED: | BY: Anneka PremDas

thank you

thank you, easy to maneuver through the site
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5

out of 5

POSTED: | BY: Zak Roth

Great experience

Very quick, no-nonsense claims process made an otherwise stressful situation with my dog a bit more bearable.
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5

out of 5

POSTED: | BY: Cynthia

Fast and Informative

The company is so informative and very helpful. They did my claim in record timing. I love it....
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5

out of 5

POSTED: | BY: YR

Excellent customer service and great…

Excellent customer service and great self-service interface. Spot has a variety of affordable options.
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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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