Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 10,624

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: Stephanie Baron

The Smartest Thing We Ever Did

The smartest thing I ever did to protect our beloved cat was to immediately get Spot Pet Insurance. It ended up paying for itself the very first year, as he was diagnosed an insulin dependent diabetic that first year. I believe I get reimbursed 80% on anything diabetes related and have saved thousands of dollars because of that. If your human child has health insurance, your four legged child should as well. We would have been in so much debt if not for Spot Pet I surance. The app is so easy to understand. Filing claims is easy peasy. I suggest you download your pet's medical history. Be thorough when describing your claim. Spot reimburses quickly and will direct deposit if you would like. I will never go with a different company. Spot for Life. Literally.
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2

out of 5

POSTED: | BY: Paula

Prices go up high each year your pet…

Prices go up high each year your pet get older
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5

out of 5

POSTED: | BY: Sara M

Spot is incredibly fast at completing…

Spot is incredibly fast at completing my claims and putting the money in my bank account. The user interface is super easy. Thanks Spot!
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5

out of 5

POSTED: | BY: Philip Collins

SPOT is just fantastic

SPOT is just fantastic. Reliable and timely with claims processing. Vet bills can be high (well, are actually) and having the piece of mind that SPOT reimburses you per your plan is immeasurable. Don't let high vet bills scare you from getting the care your pet(s) needs. Simply get SPOT and just concentrate on their quick recovery.
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5

out of 5

POSTED: | BY: Donna Mitchell

Everything went smoothly w no…

Everything went smoothly w no complications. Very easy to work with and a pleasure!!!!!
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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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