Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 10,616

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: Beth

Awesome, from beginning to end

From beginning to end, my experience reporting my dogs knee injury was wonderful. When I first called with questions, the rep was great and gave me correct information that held up throughout the claims process. I submitted the claim for my girls surgery about 8 weeks after she had it. I wanted to make sure I had all the receipts and that she was in the clear with her healing. (She’s doing GREAT!). I submitted the claim and was reimbursed (money in my account) within a couple days. It was reviewed and processed very quickly! I highly recommend Spot Pet Insurance. Their customer support folks are so kind and professional. They seem like animal lovers - very caring about our fur babies. It’s scary when our beloved pets are seriously injured. They seemed to genuinely understand and showed concern about that. Great people, great organization. And they came through for us - without scratching and clawing to resolution. 💕 I’m so grateful. We added a second pet to our policy, our 9 month old puppy.
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5

out of 5

POSTED: | BY: Mary Silva

spot made filing my claim for my puppy…

spot made filing my claim for my puppy easy and stress free. The turn around was really quick and I was impressed with the coverage for an ER visit
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5

out of 5

POSTED: | BY: Lulu Albrecht

easy and fast reimbursement

it was easy and fast to get reimbursed
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5

out of 5

POSTED: | BY: Rodrigo Zermeno

Great service

Great service, refunded no hassle
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5

out of 5

POSTED: | BY: Rebecca

Pet insurance that works

It was my first time using pet insurance for my pet’s wellness checkup. Submitting a claim was smooth and the process of getting my reimbursement was smooth and a quick process. I highly recommend getting any insurance for your pet if you’re able to afford to, and Spot is at the top of my list of said recommendations!
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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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