Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 9,968

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: Alice Shi

Glad we got our Pet covered by Spot Insurance

This insurance was one of the most important decisions I made for my beloved family member, my cat Nangua. One night he urinated blood after midnight and we looked around for any emergency vet hospital that can examine and treat him. That was only the beginning of our journey of fighting against Nangua’s urinary problem. We have been to the emergency more the three times. The medical bill amassed has reached 5K but we were never worried about the bill. Spot insurance reviewed the invoices and completed the reimbursement so fast. I already received the direct deposit in my bank account for the first three invoices. What surpassed my expectations is Spot can also cover the prescription food that the vet prescribed for Nangua’s urinary condition. One can costs more than $4!
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5

out of 5

POSTED: | BY: Bob Bailey

Claims we're reviewed and validated and…

Claims we're reviewed and validated and paid in a matter of a few days. Payment received by direct deposit! I'm a fan!
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4

out of 5

POSTED: | BY: B. Simon

Longer Processing Time - App Update Needed

Typically they are very straight forward and quick to finish claims. This time however it took longer, in part because I didn't have the full medical records to submit right away. I thought I could start the claim and then go in and add them when they came in. You can't. You can call customer service who will give you an email to send the records to which would have been fine had someone responded to the email letting me know they received them as the rep on the phone stated they would. My claim sat in the 'Queued' status for over a week. I ended up filing a duplicate claim with all the info included in the second claim. The second claim was noticed right away and that kicked the first claim into a processing status. Essentially I had to work around the system to get my claim processed even though the status said it would be worked on in the order it was received. Once it was kicked into processing the turn around was quick. Lesson learned: don't submit a claim until you have everything because it's not easy to go back and add information once a claim is submitted. That should be fixed.
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5

out of 5

POSTED: | BY: Javier Vazquez

Excellent Claims Service!

All good once you reach your deductible. I am very happy with the service and speed of the claims process.
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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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