Spot | Pet Insurance Review

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: Kaitlyn

Very happy with claim process & reimbursement

I’m always nervous about whether an insurance company will actually reimburse, and when we moved and had a stressful time, with one of my dogs having pancreatitis, then a month later she got out and got an infection in her leg from a scuffle with another animal, and also had a vet recommended prescription food and a specific probiotic powder for her suspected allergies/licking that worsened after antibiotics, Spot processed the claims within a few days and paid them as expected! They covered everything (after deductible) at 70% as that was the coverage level I had chosen, with the exception of a few small unrelated/not covered fees. Total reimbursement was about $1,000. I opted for checks for the claims which took a bit longer to arrive, but they have an option for direct deposit so I may set that up in the future. I had a higher deductible set ($1,000) which I have now lowered for this upcoming annual renewal, now that I know that the claims process goes well! Since pet insurance companies don’t generally cover pre-existing conditions, definitely consider getting coverage early/ASAP for your dogs. It is a huge help with high, unexpected expenses.
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5

out of 5

POSTED: | BY: Daryl Austin

Quick process for claims.

Quick process for claims.
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5

out of 5

POSTED: | BY: Lady T

Exceeded Expectations

The process was simple and the reimbursement was very quick.
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5

out of 5

POSTED: | BY: Taylor Perry

Money Back Fast

I filed my claim and before I knew it, I had a direct deposit of over $300 back in my account. Super easy process and quick turnaround. Thank you spot!
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5

out of 5

POSTED: | BY: Sheri Alaimo

Spot pet insurance has been great

Spot pet insurance has been great. It’s easy to file a claim and reimbursement is deposited straight into my bank account.
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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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