Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 11,668

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: Clarisa Matias

Unexpected Coverage

My experience has been great because when my dog had to be hospitalized for gastroenteritis spot was able to cover a good portion of my bill and send the check directly to my veterinarian. My dog then had to get a major dental done due to severe periodontal disease and they were able to cover a large portion of that bill as well. This time i picked direct deposit and two days after the claim was finalized the money was in my bank account. The turn around time for the claims to be processed takes about 1-2 two weeks which isn't too bad. The only thing is I had to check the app for updates on the claim status as opposed to getting an email when it was complete.
Read more on Trustpilot
5

out of 5

POSTED: | BY: T.W.

Spot gets 5 stars

Spot makes claim submission and reimbursement very easy. They process claims quickly. I am very happy with my experience and I highly recommend!
Read more on Trustpilot
5

out of 5

POSTED: | BY: Kimberly Stevens

Excellent service and quick turn around…

Excellent service and quick turn around in reimbursement on my claim. Highly recommend!
Read more on Trustpilot
5

out of 5

POSTED: | BY: Amanda Marie

Claims reviewed quickly

Claims reviewed quickly. Compensation also very timely. So glad I have my animals insured.
Read more on Trustpilot
1

out of 5

POSTED: | BY: Merced

This insurance isn't very helpful

This insurance isn't very helpful, I'm not sure If this is how it is with all pet insurance but the amount of money that I was receiving back was never enough for me to really say, "wow, I'm really glad I have this insurance".I've paid so far thousands of dollars at the vet and I've only gotten maybe $300 back. Not worth the $150. I've been paying per month. Also, when I called to change my plan to reduce it they said I couldn't, because I had to wait for the renewal, which is ridiculous to me.
Read more on Trustpilot
Please leave a review

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)
Provider website

Get a quote today

Leave a review