Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 11,110

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: Vanessa Ramirez

The best insurance

My dog Brooklyn was perfectly healthy and last December me and my husband noticed he was getting out breath easy and coughing often. We took him to the vet for a check up and the vet sent us to the ER immediately. Brooklyn was admitted for possible cardiac arrest. Few hours later we found out he had pneumonia and a tumor on his heart. Since then we haven’t stopped taking him every month to the hospital for treatment and follow up. We were so stressed for the bills but fortunately SPOT has been amazing and on point with refunding every single bill. We’re so grateful we have SPOT. They are 100% professional and reliable. Thank you so much SPOT ❤️ And our Brooklyn is doing so much better!
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5

out of 5

POSTED: | BY: Erika potter

VIP treatment …

I've always have loved Spot insurance and we did have a falling out over coverage of Knee surgery but the company did decide that they would cover the surgery and has done well ever since I feel like I'm treated very special to the company and I have told everyone including vets about Spot insurance. Spot insurance has literally saved Jude's life multiple times. I don't worry about vet bills bc I know Spot will cover it. Thank you Spot. I will always be grateful for you.
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5

out of 5

POSTED: | BY: Sirius

I love this insurance

I love this insurance, it has xome through for all my pets major Bills, that I would not been about to afford without SPOT
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5

out of 5

POSTED: | BY: Courtney

This has been the easiest experience…

This has been the easiest experience with a insurance company. They are quick to process your claim and direct deposit has been a breeze! I would totally recommend if your looking for pet insurance
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5

out of 5

POSTED: | BY: Chris Cottier

Great experience so far

Spot has been amazing for my recent claims. I got a puppy earlier this year and a few times he’s ingested a foreign object that has made him sick and required veterinary attention. Each time spot has accepted and processed my claims according to the contract. I appreciate the support I’ve received from them, and the ease of use of their product.
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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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