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: Kyle Poole

Been on hold on the phone multiple…

Been on hold on the phone multiple times for an hour. Every time I sign up for a call back somehow the call gets interrupted (I agree that could be my fault sometimes; never have I received a call back afterwards) Also I have a file to claim because my two new kitties that I adopted from the ACC were not totally healthy (unbeknownst to me). And the vet cost was over $1500 dollars. I signed up for SPOT insurance like 3 days before that vet visit and found I could still not be covered because the date the insurance is active isn’t until the end of the month. If I don’t get help for that claim with SPOT I’m leaving with a quickness.
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4

out of 5

POSTED: | BY: Morris Chubb

Policy date Aug 12

Policy date Aug 12, 2021. Coverage starts Aug 26, 2021. Renewal should be Aug 26, 2022. If it were Aug 12, 2022 then I would be paying for 351 days of coverage not 365 days of coverage. No a major deal breaker but not equitable.
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5

out of 5

POSTED: | BY: Customer

Just got the insurance so far so good!!

Just got the insurance so far so good!!
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5

out of 5

POSTED: | BY: Matthew Powling

Oh my God the spot dog insurance…

Oh my God the spot dog insurance company is amazing such big hearts I just lost my Cane Corso which was 11 months old I was only customer for 2 days and they went the extra mile make sure I had my refund and they called me with their condolences sent me a beautiful card saying how sorry they were for my loss I would highly highly recommend them what a company that cares they all have big hearts I would definitely recommend them
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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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