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.
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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1

out of 5

POSTED: | BY: Debbie Merritt

Poor claim reimbursement to the owner

Still have yet to get reimbursed for the past claims that I've submitted. They sent the reimbursement checks to the vet clinic instead of to me even though it was marked on the claim form to reimburse me the owner. They sure don't mind taking their monthly premium out of our checking account every month but she to have a hard time reimbursing people. Won't recommend to anyone
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1

out of 5

POSTED: | BY: Sandi

Ear infection

Gunner got an ear infection in May and in August got a sore by privates and feet bothered him and end of August another ear infection. Then he was diagnosed w allergies by vet August 24th, 2022. They told me he had allergies from May w/o vet diagnosis. Isn't that convient to blame everything on his 1st ear infection as allergies before a vets diagnosis. Wish I never would have believed the rating and their sweet talk to join their company. Now I'm stuck and can't go anywhere else. Bad company politics.
2

out of 5

POSTED: | BY: Annette Cane

Disappointed

I am not very happy with the experience I've had with spots so far you advertise quick reimbursements I don't feel that this is true I filed my first claim on July 19th of 2022 I am still waiting for my check from that
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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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