Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 11,089

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: TRINA

Spot pet insurance is amazing

Spot pet insurance is amazing! When the unexpected arises , having this insurance is simply peace of mind! Of course we would love to believe there will never be an emergency or an unexpected event but, life happens! Knowing that your fur child is covered is very comforting. Spot covered my previous dog and I wouldn't ever be without it, my current pup had some eye issues that called for a specialist , that's a little pricey outside of the vet , it was comforting to know I could go with less worry about the financial end and get him taken care if! Spot is very fast and accurate with reimbursement!Thank you!
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5

out of 5

POSTED: | BY: Jamie E

Awesome!

Awesome!! Claims are processed quickly and reimbursements are fast as well. Inclusions/exclusions are clearly stated. My plan is exactly what i signed up for. Nothing questioned so far. Overall, my coverage has been terrific.
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5

out of 5

POSTED: | BY: Wenlin

Smooth and easy claim process

Smooth and easy claim process. I can do everything on my phone. The claim gets processed within a week. It’s so great to have the insurance as my back, I can focus on my pet’s health care, instead of being stressed out about the financial part or making a life/death decision prematurely. I can maintain and improve my pet’s quality of life as he has improved mine.
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5

out of 5

POSTED: | BY: Kelee

Vacation Nightmare Turned Dream with SPOT

Went on a three-day vacation and my dog got very sick the first night! Turns out...he had eaten a rock before we had left home. We had to find an emergency vet at 2AM in a town we were not familiar with. Paid for an emergency surgery, and the overnight and 24 hour observation post surgery. We submitted a claim to SPOT a couple days later. Within a week, SPOT had reimbursed me the 90% minus my deductible. Even better, they had deposited the money into my account!! Great service especially during a time with a new vet, out of town and out of our minds!! SPOT gave us complete and total peace of mind!
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5

out of 5

POSTED: | BY: Elizabeth Harmel

I just rescued a puppy a few months ago…

I just rescued a puppy a few months ago and decided to give spot a chance. I have a great policy and they are the best. I took my little one to the vet and put in a claim, they were very fast at filling that claim. I already got my refund back. They are a super company for your wonderful furry friends. Would recommend this company highly, keep up the great work spot.
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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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