Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 11,406

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: Bobby Edwards

If you truly love your pets

If you truly love your pets, pet insurance is a must-have. My beautiful English Cream Golden Retriever went in for a routine tooth check, and thankfully, my excellent vet detected a minor heart murmur during the exam. I immediately took action, found a veterinary cardiologist, and got her heart thoroughly evaluated to determine the next steps. The combined cost for the two vet visits plus the specialist consultation came to nearly $1,000. Thanks to our Spot pet insurance, our out-of-pocket expense was only about $175. At 6 years old, my ECR is just as precious to our family as our children. If you want peace of mind, the ability to provide the best care without financial stress, and to keep your beloved companions healthy and by your side for as long as possible—pet insurance (like Spot) is one of the smartest investments you can make for them. It's worth every penny.
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1

out of 5

POSTED: | BY: Vickie bennett

Worst customer service

Worst customer service! They don’t pay for nothing! $72 a month wasted
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1

out of 5

POSTED: | BY: Darci

Their policy: "Deny, Deny, Deny"

Every claim that I made was at first denied. I had to call Spot and fight with them each time in order to get any payment at all. And this after turning in invoices that clearly stated annual exams, vaccines, fecal tests, etc. They claimed I turned in an invoice for vitamins. I only turned in two claims while with Spot and both were denied and then paid after I called them and complained.
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5

out of 5

POSTED: | BY: askanexpertonline.com Customer

Prices reasonable

Prices reasonable. Quite quick response to claims.
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5

out of 5

POSTED: | BY: Sheldon

Has the best policy options

Has the best policy options. I got 90% coverage with only a $100 deductible. Unbeatable. Hopefully ill never have to use them but I suspect they are easy to work with looking at other reviews. Best deal thats for sure!
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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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