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.
5

out of 5

POSTED: | BY: Risa Roe

Great coverage - excellent customer service - easy to use!

I highly recommend Spot Pet Insurance. I have a lab... need I say more? He has been a very accident prone, rock eating, cheat grass attracting hunk of burning love with orthopedic issues as well. I have insurance on both my pets. Although, one has never used it (YAY) the other has made up for it. Having an animal with health concerns is bad enough, having great insurance with excellent customer service that really cares takes at least some of stress away! Spot Insurance seems is really user friendly and has live people available to help when needed! I am a pet insurance believer now!!
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1

out of 5

POSTED: | BY: Emily H, MD

I pay the highest rate/most coverage

I pay the highest rate/most coverage. Was denied an entire claim for getting my dog neutered with no explanation. Cant get ahold of anyone VIA their phone and cant find anywhere to be able to cancel the plan on their site. Also this is the only place that I can find to write about my experience and warn people. You just try to look out for your pets and this is what you get.
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2

out of 5

POSTED: | BY: Kendra Avant

Why does nothing work?

I have tried adding coverage for a new pet multiple times from multiple devices, and each time, the page gets stuck "loading." Twice, I have emailed customer service asking for help and have never received a response. Today, I downloaded the app hoping maybe it would function properly. After entering my login info (which I verified was correct), I was stuck with a forever loading pinwheel. It's only with this app, none other. It alarms me that I'm unable to contact anyone or get Spot's platforms to work across multiple devices. What happens when a real issue arises??
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1

out of 5

POSTED: | BY: Louisa Torres

Well I never received my gift card

Well I never received my gift card . So can I get it sent to my new address. 1308 Flower St. Apt.A Bakersfield,Ca.93305. Thank you
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5

out of 5

POSTED: | BY: J.Rose

Great company!

So glad that my husband and I decided to get insurance for our puppy. After an unfortunate accident, he required extensive surgery to repair a broken leg. SPOT reimbursed us almost $4,000.00 which was 80% of our claim. They processed the claim quickly. I had to contact them a couple of times for other issues and was very pleased with their customer service. I would highly recommend this insurance company.
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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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