Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 9,946

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.
1

out of 5

POSTED: | BY: J Howell

Pet insurance

Horrible customer service after filed a claim for ear infection. They requested pets records from Vet. Sent them. Claim denied for pets vet records same as had been sent. This happened 3 more times with me going to vets office last time with claims dept. on speaker phone with vet office clerk. Denied again. This time because of said it was pre existing. Pet had a allergy rash on leg in the past! My recommendation with Spot is Stay Away! Swithed to them from insuror to add another pet. Big mistake! You get what you pay for. I would think they spend most of their internal money on researching how to connect any past illness to being pre-existing to save them money. Of course I have canceled. Never Spot again.
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5

out of 5

POSTED: | BY: SoCal65

Good Insurance, Good Coverage

We got a rescue dog and immediately signed up for Spot Insurance. Our policy has been in effect for a year, and when wour pet needed surgery, we were glad we had Spot Insurance. We had a $250 deductible, but not too bad, considering our bill was $2500. Once we had all our documentation from the Vet in to Spot, they paid a good portion of the cost. We were delighted.
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1

out of 5

POSTED: | BY: Molly Montana

Don't buy insurance from Spot…

Don't buy insurance from Spot Insurance! They don't pay out claims even though they have received ALL information requested!! Don't take peoples money if there is more needed to even have the policy!!!!!
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5

out of 5

POSTED: | BY: Omeed Rahimi

Spot is a wonderful insurance product

Spot is a wonderful insurance product. Highly recommended!
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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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