Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 11,400

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: Kim

I was looking for help getting my dog…

I was looking for help getting my dog seen by a vet and started to look up pet insurance, when I came across an ad for this one I read through the screens and filled in all the information. Once I paid to get started and waiting the waiting period I took my dog in. Once I was there I was told that this pet insurance required me to pay upfront the full amount then submit paperwork and hope to get funds back. I wasn't informed that thats how the insurance worked so I went ahead and canceled the plan. That was around 3 months ago and I just received a phone call because the company ended up taking the money from my husband's account today for the last 2 months of payments we clearly weren't planning on paying since I canceled the plan. The agent said I had to try and "prove" exactly what date i canceled it which was by following different links first in the app. Then directed to their website and so on. Now we have to try and contact our bank and tell them what's happening and hope this company doesn't try and steal more money.
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5

out of 5

POSTED: | BY: Kai

Wow!

Wow! Great service and quick turnaround with claims. My cat had a big health scare and needed chest x-rays and to be hospitalized for a day. Once I got all the paperwork and receipts I immediately submitted them and got my payment back in less than 24 hours! Love Spot Pet!
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5

out of 5

POSTED: | BY: KIMMO

Our dog’s ACL surgery claim was handed…

Our dog’s ACL surgery claim was handed fast and payment was done with direct deposit. The whole process was easy and convenient. Thank you so much!
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5

out of 5

POSTED: | BY: Cindy Hooper

Easy to submit claim & relatively fast…

Easy to submit claim & relatively fast refund.
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2

out of 5

POSTED: | BY: Dan

Just another garbage pet insurance…

Just another garbage pet insurance company looking to take your money and deny your claims. Terrible. I suggest saving an emergency fund and including any monthly fees you would have given Spot. They get two stars for having an app that’s easy to use that makes filing a claim simple, but it’s all for nothing so why bother?
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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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