Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 7,423

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: Danielle VA

This is the best pet insurance

This is the best pet insurance! It's very easy to submit claims and the direct deposit reimbursement is great.
5

out of 5

POSTED: | BY: Martin Mcauliffe

Everything went great no issues

Everything went great no issues
5

out of 5

POSTED: | BY: Warnesha Lockett

Easy process

It's so easy to fill out everything and helpful to just have the service so I'm not out of pocket with total costs.
4

out of 5

POSTED: | BY: Mary Flores

This is the best pet insurance ever

This is the best pet insurance ever! I chose the 90% reimbursement and I get the deposit quickly! The claim process is easy too. Love love this insurance. I wish I could afford to put my other dog and 3 cats!
1

out of 5

POSTED: | BY: Kshitij Malik

If NO star was an option to submit with…

If NO star was an option to submit with a review, I’d have done that! In big caps, DISAPPOINTED, HIGHLY! I will NEVER recommend this pet insurance to any of my friends and family for their furry kids! I bought this pet insurance for our 3 furry kids, a 10 year old Yorkie, 10 year old Siamese cat, and a 9 year old Shih Tzu. Our 10 year old Yorkie had teeth extraction, preliminary blood tests prior to the surgery and a microchip installation. My plan had the additional preventative care as well and all treatments were very clearly listed as covered! They had the requirement to have up to 12 months of medical history from the Vet! Fortunately, our furry kids are healthy and except their annual vaccinations, they hardly ever visit their Vet! Their Doc even makes fun that RIGALI-Malik kids are back for their boring annuals! This Insurance completed our Yorkie’s claim with $0 reimbursement with absolutely NO notes and a reason as to why nothing was reimbursed! I had to make numerous calls demanding an explanation! Their broken record was that we don’t have Tobias records for all 12 months and other vets! After confirming gazillion times that our kids always have had ONLY ONE vet since they became our family and that they hardly visit their vet except their annuals, WTH you want the vet to submit for every month that Tobias stopped by to say Hello in the month of January????? I have cancelled insurance for my kids and will NEVER reconsider them! They still have NOT reimbursed a dime! Stay away from them! They love to take the premiums and reimburse a big fat ZERO! Worst insurance and customer service EVER!

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 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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