Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 11,101

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.
4

out of 5

POSTED: | BY: CJ

Spot Pet Insurance has been invaluable…

Spot Pet Insurance has been invaluable to me. I got a 2 yr old dog that is now 3. He needed to be neutered, vaccinated and micro chipped so I signed up for preventative, not thinking a three year old would have illnesses and emergencies. Glad I signed up for it all. Didn’t really know what I was getting into…there are other issues. The last bill I submitted had a estimate included for an ultrasound that Spot never addressed. That’s why I gave them four stars instead of five. We are going ahead with the ultrasound… Don’t know if it will be covered or not. Hope so…they have been helpful so far.
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5

out of 5

POSTED: | BY: Sanjeet Thadani

Our little puppy had xylitol poisoning…

Our little puppy had xylitol poisoning ( through chewing gum or a piece of cake) at the park and had to be admitted into hospital for 4 days - the docs didn’t give her much of a chance to survive as her liver enzymes were off the charts - but she made it and spot insurance made it so easy for us - they kept their promise and we got paid within a week of our doggie getting discharged - these guys are good!
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4

out of 5

POSTED: | BY: Kathleen Nesbo

My dog faces a health crisis.

My dog, Roxy, was healthy when I purchased SPOT Insurance but six months later Roxy woke up totally blind. It was quite a shock and I was impressed with the ease of getting help with her bills. SPOT has covered Roxy’s veterinarian bills quickly and efficiently. I would recommend this insurance to any pet owner.
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5

out of 5

POSTED: | BY: Sandra C

Great experience with Spot Insurance

Great experience with Spot Insurance. The claim process is very quick! You really get what you pay for with this company.
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5

out of 5

POSTED: | BY: Rachel Archibald

Really easy and helpful

I've only had spot for a few months but we have needed to use them and the claims are easy to submit and you get updates and a claim status quickly. Once the claim is approved the money is in my account the same day. When I called customer service the first time I submitted a claim they where super helpful. Would recommend.
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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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