4
out of 5
POSTED: | BY: Keith
The claim process was easy
The claim process was easy, finding my vet was easy.
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4.6
out of 5
Number of reviews 9,931
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: Robin
Spot insurance was easy to navigate and…
Spot insurance was easy to navigate and I liked the different options available. I have not submitted a claim yet, but I feel confident the process will be as easy and straightforward as the registration.
4
out of 5
POSTED: | BY: David Bellamy
I subscribed to Spot for insurance on…Jan 17, 2023
EDIT 8/18/23 I received a call from Spot Customer Service yesterday regarding my review here. I didn't think to write down her name, but she was very courteous and seemed genuinely concerned. She apologized for the person who hung up on me on my previous call and said that the problem had been addressed. She explained that the delay in getting Dudley's vet records on the latest claim was in getting them updated from the ones they'd received previously, which sounded reasonable.
I am upgrading my rating from 1 to 4 stars. While none of my expenses have been covered as yet, they have replied to my reviews here in a manner that allays at least most, if not all, of my concerns. I will continue using them as my insurer.
EDIT 8/8/23 I called Spot after they replied here, suggesting I do so. I reiterated my complaints as described below. On the issue of not paying for his vaccinations, they explained that I hadn't paid for preventative care when I purchased the insurance. Fair enough, I'd forgotten that.
On the issue of delaying a decision on my claim for his vaccinations for weeks, claiming they didn't have his records, even though they'd denied two previous claims based on his records, at first he didn't reply. When I repeated the question, HE HUNG UP ON ME! Guess who's going shopping!
Original Post, circa Aug 1:
I subscribed to Spot for insurance on my 11 yr old dachshund a few months ago. So far I've submitted 3 claims totally over $1300 and not a dime of it has been accepted. I'm beginning to think that any ailment he may have is automatically considered a pre-existing condition. This includes his vaccinations which I thought would be covered under preventative medicine (which is specifically named in the policy and on the selection list when you file a claim) though they denied that too. I'm sure that somewhere in the fine print, probably on page 47, that vaccinations, along with everything else that might actually happen, is excluded. The decision on this payment took weeks because they needed his records which they claimed not to have even though both previous claims were denied as existing conditions months earlier. So how did they know they were pre-existing conditions if they didn't yet have his records? I smell a rat!
5
out of 5
1
out of 5
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)