Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 11,038

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: olivia

Get This Insurance!

A few months ago I signed my two dogs up for Spot Pet Insurance and the process was incredibly easy. I was able to sign them up within a matter of minutes online. The Spot team makes sure you are comfortable and understand the entire process and everyone I spoke with was incredibly kind and knowledgable. I ended up recommending this company to all my co-workers who then signed their pets up for Spot Pet Insurance as well. I never expected pet insurance to be so enjoyable and with the amount of trouble these dogs get in, this insurance is already more than worth it. Definitely recommend for anyone considering!
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4

out of 5

POSTED: | BY: Lisa Jones

Easy to reach and get a quote

Easy to reach and get a quote. Immediate coverage with no wait times. Brand new policy so I haven't submitted any claims
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5

out of 5

POSTED: | BY: Cate Holland

10/10 Experience!!!!

Spot was the best decision I made! After switching from a different pet insurance company I realized I made the right decision. Spot has amazing customer service and an easy accessible member portal. I have no complaints and really recommend!!
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5

out of 5

POSTED: | BY: Chloe

Spot actually cares!

I have two cats and keeping them healthy and happy is my number one priority! One of my cats recently got sick and I had a hefty bill, it is shocking when it feels like people in the animal industry care more about the bill than the animal. Luckily the Spot team was a huge help and with every conversation I feel like they actually cared about the health of my little ones.
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5

out of 5

POSTED: | BY: Sally Arneson

I initially was unsure about pet…

I initially was unsure about pet insurance... the Spot team was very receptive to my phone calls and made the set-up process very easy!
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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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