Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 11,101

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: Sara Mac

Scammers - Go with Embrace instead!!!

I submitted a claim for a little over $1,000 for my dog's surgery. They rejected it falsely claiming they didn't have SOAP notes from the Mamaroneck Vet that my dog has not been to since 2018. They said they couldn't obtain records from 2021 that they needed. Obviously - he didn't go there in 2021! He attends a new vet closer to my new home and has been going there since 2018! They do not care to rectify the situation or help me. They just keep denying the reality of the situation. They do not help with anything and will avoid paying for reimbursement at all costs. STAY THE HELL AWAY FROM THIS FRAUDULENT COMPANY! I used to have Embrace and what a mistake it was to leave! ***Look at their response - vague and ridiculous. This was not a pre-existing condition. They turned down this claim because they are pretending they cannot access records in an effort to avoid payment.
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5

out of 5

POSTED: | BY: Sher Gustafson

Easy to put in a claim

Easy to put in a claim, wonderful customer service if you have a problem.
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5

out of 5

POSTED: | BY: Anna S.

Best insurance for cats …

Very flexible plan options to meet every pet needs. Easy process of submitting claims and clear explanation of benefits. Short period of processing claims.
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3

out of 5

POSTED: | BY: Chris Morrell

It seems to take forever to get paid.

It seems to take forever to get paid.
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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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