Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 9,922

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: Chichi Fourth

Just processed a claim and completed

Just processed a claim and completed, with no explanation whatsoever. Called the insurance and they said our dog was diagnosed with gastroenteritis which is a desease and not an accident. The thing is our dog ingested something that caused stomach upset and vomitting blood but guess what they will not cover it because they keep saying its gastroenteritis. Ingesting foreign object is included for the accident insurance that they offer but if your dog got gastroenteritis as a result of ingesting foreign object then it's not covered! Funny how they can get away with it and play you with the policies they have. Oh well, time to find another insurance...
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5

out of 5

POSTED: | BY: Ryan B

Real easy to get a quote and coverage

Real easy to get a quote and coverage. Let's hope when I have to file a claim, it will be this easy!
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5

out of 5

POSTED: | BY: Jacqui Dulgarian

Glad I decided to go with Spot Pet

Glad I decided to go with Spot Pet, it was easy to navigate through the application. The best part was I got an actual personal call asking if I had any questions or concerns about Tanks policy. In today’s craziness that was refreshing.
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1

out of 5

POSTED: | BY: MW

Difficult Claim Submission process/Form not working

The claim submission form is very difficult to use.uploading invoice function does not work. Why make this process difficult?
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3

out of 5

POSTED: | BY: DaveB

I can only review the buying process ......

Since I haven't had to use the insurance, I really can't give much of a review. The ability to choose an inexpensive accident only policy was easy and a big plus. Our young collie puppy isn't likely to have health problems now, but we do worry about her the way she runs around the yard. And there's always the possibility of a puppy eating something she shouldn't.
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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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