Spot | Pet Insurance Review

4.7

out of 5

Number of reviews 4,957

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 3.2
  • 4.7
  • Count
  • 1
  • 13
  • 4,957

Updated: November 13, 2023

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.
2

out of 5

POSTED: | BY: Kay Sodowsky

Not Recommended for Shelter Adoptions

Last summer, I adopted an adult cat from a local SPCA. I signed him up for Spot Pet Insurance thinking I was being a smart cat guardian but the first several months were awful. Spot claimed that the vet was refusing to answer their calls but the vet's office denied that Spot had ever made contact. I began collecting the vet's medical notes myself and submitting them directly to Spot. Spot continued to deny all claims because they wanted several years of past medical history and documentation -- for a cat from the pound! Not too many rescue pets come with medical history! If they don't cover shelter adoptees then they shouldn't be taking my premium payments. I was ready to cancel my policy and mentioned to them that I was going to submit a complaint to my state Insurance Commissioner. Suddenly, they started paying my claims! Since then, they have processed claims within a week and have paid for everything except for prescription food. I decided not to challenge them about the food because I was just so relieved to stop fighting with them. Not recommended for rescue pets because of the nonsense about requiring medical history. I now have another rescue cat and will use a different provider for her pet insurance.
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5

out of 5

POSTED: | BY: Army

Spot insurance is the best.

If you have a pet, you love and take care of properly then you should have insurance. We have a puppy that needs shots and Spot has reimbursed most of the fees. For example, 1st visit, 177.00 for visit 134.00 reimbursed. Can't beat that.
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5

out of 5

POSTED: | BY: Justin Publicker

Excellent service

Excellent service, easy to use app, and quick turnaround!
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5

out of 5

POSTED: | BY: Jennifer Marinello

I purchased the wellness package for my…

I purchased the wellness package for my pup and I’m already getting $25 back! Extremely happy!!
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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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