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.
1

out of 5

POSTED: | BY: Vanessa

Extremely poor experience

Extremely poor experience. Have had issues with more than 3 claims now (I’ve been a customer for over a year). First issue they didn’t receive my dogs medical records from my vet within a certain window so they rejected the claim and ignored me when I sent in the records after the fact. Then they decided to stop covering a treatment for his cancer which they had been covering for almost a year because they found a co-occurring symptom (on bloodwork) and decided it meant the illness was a preexisting condition. Most recently they denied a claim for an ear infection because he had an ear infection in the 2 week period of the policy (this was more than a year ago), saying that the two infections are related when the cytology results show the infection is actually different. They also tried to say that these infections were caused by allergies when there’s no evidence to suggest that. It’s clear that they’re just making up reasons at this point to not cover illnesses that are coverable. I really wish I would’ve gone with another company.
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5

out of 5

POSTED: | BY: Christine Aschbacher

Claims submission

The claim submission procedure was quick and easy . Spot insurance kept me updated regarding my claim through email. My cat went to the vet on Wednesday 1-28 claim completed in less than a week.
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5

out of 5

POSTED: | BY: Cheryl Warn

Affordable pet insurance

Affordable pet insurance. Claims are paid quickly and I like that you get to pick the coverage and payments you want. Makes things super easy, especially having more than one dog as they don’t all have the same sailers or needs. Definitely recommend.
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4

out of 5

POSTED: | BY: Abra Sonnanstine

I couldn’t find any information about …claims processing

I couldn’t find any information about the claiming process time and what I should expect. The reimbursement came very quickly.
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1

out of 5

POSTED: | BY: Michael Savino

No follow up on my.claim!

No follow up on my.claim!
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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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