5
out of 5
POSTED: | BY: Patricia Brandenburger
It was an easy process to submit a…
It was an easy process to submit a claim.
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4.6
out of 5
Number of reviews 9,947
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: Joanna Heard
Quick response time and very fair on…
Quick response time and very fair on reimbursement.
5
out of 5
POSTED: | BY: Don Racey
After using other sources for insurance…
After using other sources for insurance for our Teddy we discovered SPOT pet insurance.
It has exceeded our expectations!
5
out of 5
POSTED: | BY: Tom and Cheryl Dayton
When I first purchased the policy for…
When I first purchased the policy for my adopted dog; I didn't know anything about her. She was found on the street and had NO tags or chip. Emaciated etc. I had one hell of a time getting my first claim paid. I had to speak to an American salesman. He fixed it so that ALL of the proof and paperwork I sent them at least 5 times was confirmed as true and I haven't had a problem since. I have renewed the policy. Excellent company but the people that answer the phones are simply over seas operators that don't know ins and outs. No fault of there own.
2
out of 5
POSTED: | BY: Daniella Cavalcanti
If you’re considering Spot for your kitten, please be aware that the plan does not fully cover the basic preventive care
📍 Spot Pet Insurance – Kitten Plan (Advanced + Routine Care)
My experience with Spot Pet Insurance started off well. The first claim I submitted after my kitten’s initial vet visit was processed smoothly, and I received reimbursement as expected.
However, during the second round of vaccinations, I was disappointed to learn that the kitten plan does not fully cover the recommended vaccine schedule, even with the Routine Care add-on. As a responsible pet owner, I followed my vet’s guidance, only to find out that Spot only reimburses certain vaccines — and only once per year — with very limited amounts.
To make matters worse, I’ve been trying to reach their support team for over 3 days with no response.
Today I finally called and spoke to a representative, who informed me that there’s nothing the company can do — even though this limitation is not clearly disclosed on their website or in the policy documents. Nowhere does it say how many vaccine shots are eligible per year for a kitten.
⚠️ If you’re considering Spot for your kitten, please be aware that the plan does not fully cover the basic preventive care you might reasonably expect, even with them selling this special coverage for it, and the lack of clear communication and customer support is a serious concern.
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 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)