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.
1

out of 5

POSTED: | BY: Beth Mirsky

Can’t figure out how to respond back to…

Can’t figure out how to respond back to them - So far the issue of not being able to email my claims still isn’t fixed According to customer service they were going to load my first claim manually however I have no proof that this was done Now I have another claim so their promise of fixing their issues ASAP is another false promise and now falling on deaf ears The other issue is that I can’t log in on my iPad or iPhone and was told I needed a stronger signal Nope - this doesn’t ever happen with anyone else so again I repeat their technology is horrible I’ll be looking for another vendor shortly So what? It took you 4 days to let me k ow you received both claims and then tell me you need medical records for 2 very simple claims This is clearly a delay tactic If I’m not reimbursed within 2 weeks you’ll be hearing from the Department of Insurance Do not tell me it sometimes takes 2-4 weeks to reimburse-not one of your competitors takes that long
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1

out of 5

POSTED: | BY: PAM

I purchased pet insurance in May and…

I purchased pet insurance in May and have not heard anything from Spot Pet Insurance. I have called several times and I get a voice message. Everyone is in training.
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2

out of 5

POSTED: | BY: User

Pricing is competitive but the claim…

Pricing is competitive but the claim process has been horrible. It has taken over 2 months to be reimbursed and I've ended up as the middle man calling my vet and Spot. I guess it's great if you can afford large vet bills and just get paid whenever Spot can get all of their information but forget about the 4-day processing they're apparently averaging right now..
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3

out of 5

POSTED: | BY: Beth Mirsky

Bad Technology

Pros- competitive pricing Hate to be the only one that had a first bad experience due to their technology Excellent customer service Tried filing my first claim- their technology is horrible Spent a lot of time w customer service - extremely helpful-who tells me they’ve updated their website and are experiencing glitches She put in a ticket to get it fixed as I’ve tried 3 times to file a claim Let her know that if they can’t get it fixed I’ll be looking for another vendor I hope they can get it fixed as I’ve got several claims
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5

out of 5

POSTED: | BY: Tina Bells

Happy with my services...

I've only been using Spot for close to or a little over a year and I am very happy with my services. From expert advice to quick reimbursements from claims. I recommended Spot to my dad for his fur babies and he joined as well.
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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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