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: Diana

Beyond Insurance Hospitality

Spot Pet Insurance genuinely cares for your pets health and wellbeing. My 18 month old mini-schnuazer suddenly passed away about 17 months ago with no warning. Spot reached out to me with an email, phone call, and card expressing their condolences. They approved my claims with no questions asked and I had a check within three weeks. My current schnauzy had her annual physical a few weeks ago and they approved all of the preventive care with no questions asked. Then a couple of weeks later my schnauzy tested positive for a parasite and Spot approved payment for my claim within two days of submitting it with no questions asked. I looked into several different pet insurances, and I don't regret my decision in choosing Spot Pet Insurance.
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5

out of 5

POSTED: | BY: Sara Sickels

Fast review of claims and reassuring!!

Fast review of claims and reassuring!!
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5

out of 5

POSTED: | BY: Connie

Easy to apply your information

I think it's great just fill out the forms scan in receipts and email it out. Easy step by step questions and great customer service when you have any questions.
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5

out of 5

POSTED: | BY: Happy paw parents

Helpful fast and easy to submit a claim

Agents were very helpful, I submitted a claim, I waited about a week and had not heard anything, my claim said in process, when I called I was told I was missing documents, and as soon as I emailed my missing documents, the claim was processed right away and direct deposited into my bank account.
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5

out of 5

POSTED: | BY: Jennifer

Excellent pet insurance

I love that I get to choose what I want my monthly payment to be and my deductible and my max per year. Spot has always paid for my pups medical bills and it has been a lifesaver.
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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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