Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 9,917

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: A Ladetto

Very disappointed with this insurance…

Very disappointed with this insurance coverage as our puppy was diagnosed with a congenital heart defect (which our policy covered congenital) that they wouldn't cover claiming it was a pre-existing condition. If you want congenital coverage, my recommendation it that you purchase the policy prior to the puppy being born so it's not pre-existing, if you use SPOT. Now we won't have any coverage for his treatment as his now diagnosed heart condition IS NOW a pre-existing coverage which no one will touch. Also, they also only covered $20 for a routine puppy visit telling us that our vet charges too much nor would they cover the heartworm med our vet selected as it was not on their approved medication list.
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5

out of 5

POSTED: | BY: Joseph Torello

Had my first trip to the emergency vet

Had my first trip to the emergency vet, dog is fine , everything with SPOT went very smoothly. Thank You SPOT
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4

out of 5

POSTED: | BY: Fernando Pleitez

The registration process was easy

The registration process was easy and straight forward. They also honored me a discount from work even after I had already registered. However, I haven't had the need to process a claim so I haven't been able to see them in action.
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4

out of 5

POSTED: | BY: Desert Star

I’m pleased with them after rocky beginning

I have had this ins now for 10 mos with numerous claims. The ver first one was a nightmare and took 6 week to get reimbursed.Since then, no issues at all. Direct deposit to ck acct in about a week. It also depends how fast and competent your vet is gerri g the exam report to them. I was thinking of switching but their fees are comparable for what you get. Did I mention this is a Cesar Milan spokesperson ins?😊
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3

out of 5

POSTED: | BY: Melissa Samora

I juat sign up for spot insurance

I juat sign up for spot insurance. It was easy, took me less than 5 minutes, seem promising. The only problem is that I have been trying to access the Spot app and it just loads and tells me "error prossessing my request to check my network" but it ain't the wifi. What's going on. I don't want to have issues before It even starts. If yall can't get an app to work how can I trust you with my babies?
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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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