Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 9,922

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: Hanna

Horrible customer service

Horrible customer service. You weren't able to get my pets vet records themselves even though it says you can do that. But whatever ok fine, I call my vet and have him send everything over. Then I get another email from you saying that the records aren't complete and you need more. I call my vet again and have him resend everything and also cc me in the email. Everything is there. I reply to you, "that's everything, we literally don't have more records." no reply for a week. My partner calls you and the person we spoke to insists on needing more records. There. Aren't. Any. I finally get another email back from you too, saying again that you need more records?!??!! I'm like how many godforsaken times do I need to tell you there literally are not more records!! Finally it seems like you bufoons get it, and start processing the claim. Miserable and stressful experience and a waste of my time and money.
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5

out of 5

POSTED: | BY: Jimmy Plumer

This was my first time using the claims…

This was my first time using the claims center and i was impressed with the ease of doing so as well as the quick response and claim completion. I'm happy i chose Spot Pet.
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5

out of 5

POSTED: | BY: Catherine Cottrill

Quick resolutions

Quick resolutions. Never a problem with getting the claim processed and the money.
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5

out of 5

POSTED: | BY: Cindy Camp

Beyond our expectations!!

There are many pet insurance companies to choose from. I chose SPOT because my daughter recommended them. My 2 yr old cat was hit by a car and had to have orthopedic surgery. SPOT handled our claim immediately..there was excellent and clear communication and responses to emails were immediate. Our claim was processed quickly and we received reimbursement in about a week. I'm glad my daughter recommended this wonderful company..and now I am as well! Thank you SPOT!!!
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5

out of 5

POSTED: | BY: Kelsey Vanagaitis

Awesome and easy to work with

Awesome and easy to work with! So glad I had this for my dog after he experienced a vet visit and a hospital visit!
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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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