5
out of 5
POSTED: | BY: Ira Stone
Easy and Quick.
Easy and Quick.
Read more on Trustpilot
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: JH
Spot insurance was prompt and great…Great service
Spot insurance was prompt and great service.
1
out of 5
POSTED: | BY: Max
Worthless
Terrible policy. To much red tape. Healthy Paws much better.
2
out of 5
POSTED: | BY: Deanna
Poor Customer Service
Trying to get reimbursed for a claim. They sent 6 emails saying only they need additional information. They contacted my vet multiple times, even though I told them they do not communicate with insurance companies. It took me a month to discover they needed a glucose read. Why they couldn't say that in one of the many emails, we could have resolved this long ago. They put the policyholder through the ringer. I would not recommend.
2
out of 5
POSTED: | BY: Jason
Claim processing time is not as advertized
We decided to go with Spot based on the reviews we read and the advertised quick claim processing that stated 48-72 hrs. We adopted a new aussie puppy and we went with both the pet insurance and the wellness plan. I submitted all the paperwork we received from the breeders vet and then took the puppy to the vet after signing up. It was a first vet visit for us so the usual (exam, shots etc). The total cost was $213. I submitted all the paperwork to SPOT and got an instant message saying that due to high volume of claims at this time yadda yadda it could take longer than expected etc. Ok that's fine but keep in mind this is not what they advertised and is not what I would think anyone would consider quick claims. It has now been 8 working days and there has been no status change on my account. Just says processing... Banfield may not have been perfect but at least the discounts for wellness was immediate, taken off the cost at the time you paid not reimbursed like this. I will update my review if and when it pays but so far the experience hasn't met the standards I was expecting based on the reviews.
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 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)