Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 9,963

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.
4

out of 5

POSTED: | BY: William Robbins

Great coverage for my dogs

Great coverage for my dogs, I have 2 Great Danes, this breed is somewhat high maintenance so I’m often at the vet for one thing or another. Claims are processed quickly and the ease of setting up my online account for direct deposit for reimbursement was simple. I’ve had my policy around 3 yrs. and haven’t had any issues. Times that I’ve called for answers to questions I’ve had have been answered and was satisfied with the response. Your representatives that I’ve had the opportunity to talk to have been friendly, respectful, knowledgeable and helpful. I do recommend spot insurance to family and friends when pet insurance is the topic of conversation. Thank you so much for the service spot provides.
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5

out of 5

POSTED: | BY: Van Huynh

They are super quick to process claims

They are super quick to process claims. When my dog passed away, they were thoughtful to call and send a letter of condolence.
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5

out of 5

POSTED: | BY: Tiffany Budoff

great Insurance

When the called to cancel my pup that passed away. They were so nice and helped me with the other questions I had. The app is awesome and easy to navigate.
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3

out of 5

POSTED: | BY: Luz

App needs to be updated

I'm very frustrated with the app. I had emergencies with my dog and it did not let me update any of the 4 claims . I had to call customer service and email everything which has delayed all the process and some of the claims haven't been even process it yet.
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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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