Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 10,651

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: sharon solomon

I had paid for the premium package

I had paid for the premium package. I have had my pet insurance for about a year. Found out that my cat has a heart murmur that the vet says to keep an eye on the condition to see if it gets worst. Second visit i was informed by the vet that the condition improved. Months later my cat was not himself so the vet suggested to have tests taken. My cat was not himself. The tests showed he had an enlarged heart. Spot would only cover 20% of the bill which cost me over a 1000 dollars. I should have been covered 90%. There reason was it was considered a pre existing condition. The tests should have been covered. It's not like they were covering for whatever procedure required. My cat is only 2 and half years of age.. Watching my cat fading because I can't afford the thousands that it would cost. I am so heart broken. These people pretend they are animal lovers but all they care about is taking your money.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Vickie Smith

seems to be a great insurance,

i haven't used it yet,but from so far a great insurance for my furbabies,
Read more on Trustpilot
1

out of 5

POSTED: | BY: Stacey Matherne

They are stupid

They are stupid. I have had insurance for my pets for 7 months with them and they just denied 2 claims. They said its not outside the 14 day waiting period. UMMM hey dumb farts, its been 7 damn months. That is A LOT more than 14 days. I called and told the agent who put me on hold and after 30 minutes of holding without her checking back in, I hung up. Inconsiderate and incompetent!! I cancelled my policies for all 8 of my pets and will take my business elsewhere!
Read more on Trustpilot
5

out of 5

POSTED: | BY: Cheryl

Customer service

Awesome customer service if you have any issues.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Jake Dindak

Good Stuff

Easy sign up, app is great. Everything is explained very well.
Read more on Trustpilot
Please leave a review

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)
Provider website

Get a quote today

Leave a review