Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 10,558

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: Boxer Mama

No regrets!

Before signing up with SPOT, I had done a lot of research of pet insurances and decided on SPOT because of the philosophy that they want pet insurance to become more mainstream to help reduce pet euthanasia due to owners being unable to afford vet bills. They also seemed to have quite comprehensive coverage, including some common issues with the particular breed of dogs that I own. This is my second year with SPOT and I have been very pleased with the coverage they have provided for both my boxer puppies. Unfortunately these two dogs happen to have multiple issues and are frequent flyers at my vet's office; one even needs prescription dog food. Having SPOT insurance has been a lifesaver to our bank account! It is easy to file claims online and reimbursements are direct deposited into my account. When I did have issues online or any questions, SPOT representatives have been very pleasant and helpful. I would highly recommend to any pet owner!
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5

out of 5

POSTED: | BY: Rachelle Doreen

Super easy to sign up and get going…

Super easy to sign up and get going with coverage.
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5

out of 5

POSTED: | BY: Steve Fink

I love spot pet insurance

I love spot pet insurance. It easy easy to file a claim and the refunds are sent direct to my bank account in a timely manner. I recommend Spot Insurance and would choose them again.
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5

out of 5

POSTED: | BY: Charlotte Strasburg

My Chihuahua has monthly expenses due to seizure disorder.

Very much appreciate that my claims have all been processed quickly.
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5

out of 5

POSTED: | BY: Jennifer Young

This is the number one pet insurance…

This is the number one pet insurance company hands down! Don't bother shopping around. I had insurance with 2 previous companies before I finally landed on Spot. From setting up the policy, filing a claim and having funds deposited into my account it is a fast and easy process. The customer service reps rock and are soooo helpful. Spot has saved me time, money and saved the life of 2 of my cats. I highly suggest paying the few extra dollars for unlimited coverage or you will be kicking yourself if something major comes up because vet bills can add up fast. I have 4 cats and my cost is a little over $100 a month. My vet bills have reached over 15K for a year. I'll let you do the math on that but truly there is nothing more important than the peace of mind knowing that I am financially able to provide my fur babies with the care they need. That's really what it's about for me!
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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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