Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 10,558

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: Chris

I am extremely disappointed with Spot Pet Insurance. I purchased coverage for my puppy believing they would help if something went wrong, but every claim I submitted was denied. My puppy was not diag

I am extremely disappointed with Spot Pet Insurance. I purchased coverage for my puppy believing they would help if something went wrong, but every claim I submitted was denied. My puppy was not diagnosed with any condition until after I had already purchased and paid for the policy, and I provided full veterinary records proving there were no prior issues. Despite that, they still refused every claim. In my experience, Spot offered no support when it was needed. I would not recommend this company and suggest pet owners look into other options for their fur babies.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Miguel Reyes

Great customer service and follow-up!

Great customer service and follow-up!
Read more on Trustpilot
5

out of 5

POSTED: | BY: Cindy

Claim submission is so easy!

Claim submission is so easy and the response time is quick. Highly recommend!
Read more on Trustpilot
5

out of 5

POSTED: | BY: Catherine Ricci

Reviewed our claim and paid our account…

Reviewed our claim and paid our account within a few days
Read more on Trustpilot
5

out of 5

POSTED: | BY: Ann Wilson

Spot is a great pet insurance company!

I am so glad I went with Spot Pet Insurance. In the first month of having the insurance our 7 month old Basset hound had to be spayed and then she accidently ate a needle with thread. She required emergency surgery. Spot was so easy to file a claim and they completed our claim in one week with a reimbursement to our checking account. I highly recommend this company!
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