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.
SPOT PET INSURANCE IS VERY MISLEADING - DON'T USE SPOT
Spot Pet Insurance is very misleading about what is and isn’t covered under their plans. In my experience, their representatives also provide inaccurate and sometimes contradictory information.
Here are two recent examples:
Example 1
My dog Oscar developed stomach issues—gurgling, diarrhea, and loss of appetite. Our vet suspected a poultry sensitivity and prescribed a specific diet from JustFoodForDogs, since they avoid cross-contamination of proteins.
Before moving forward, I called Spot Pet Insurance, explained the situation in detail, and even provided the vet’s recommendation. The representative told me that if it was a diet-based issue, they would cover the cost of the food for the first month as part of the diagnostic process, though not for long-term maintenance. That sounded reasonable, so I purchased the prescribed food.
However, when I submitted the claim, it was denied. When I followed up, I was told it was considered a pre-existing condition because my dog had a “gurgling stomach” noted the previous year. (What dog doesn’t occasionally have a gurgling stomach?) My vet clarified that this was a new and much more serious issue affecting his entire system.
Spot advised me to file an appeal. I did—but received no response. After a month, I called again and was told the appeal was denied due to the type of diet prescribed, despite the fact that I had clearly explained this upfront before purchasing anything. They literally changed the reason for denying the claim and paid out nothing.
Example 2
My dog later needed two teeth extracted. Again, I called Spot in advance and was told the procedure would be covered.
Once I submitted the claim, it was denied. This time, I was told that because a vet had noted minor tartar on my dog’s teeth four years earlier, so any dental issue would be considered a pre-existing condition. Essentially, they would treat all dental problems as pre-existing. My vet explained that the extractions were age-related and unrelated to past tartar, but Spot still denied the claim.
Based on my experience, Spot Pet Insurance finds ways to deny claims using overly broad definitions of “pre-existing conditions,” even when issues are clearly new or unrelated. My recommendation: avoid Spot Pet Insurance
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)
