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.
5

out of 5

POSTED: | BY: KS

Wow, just great service all the way.

Wow! Very good customer service including all the way through an appeal on a claim, to best understand my policy and the product. I see why SPOT was so highly rated by Forbes and others. Careful attention to detail all the way through from sales, setup, customer service to underwriting, means a well run business thats competitive and a good deal for the customer. This review is based on my personal experience on the phone, emails, and using the app, with my vet staff interaction in providing information. Fast, efficient, very helpful and professional inc last call with "jaq..." to help me understand claim appeal letter fully.
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5

out of 5

POSTED: | BY: Lety

The claim process was easy

The process was easy to submit and track a claim. The claim got paid pretty fast too. Very convenient.
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5

out of 5

POSTED: | BY: Lori de los Santos

Extremely pleased.

My claim was processed, reimbursement received promptly, and as per policy. There were no surprises other than how quickly this was completed. Also, the representative who assisted me was professional, knowledgeable, pleasant, caring, and very helpful.
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5

out of 5

POSTED: | BY: Curtrina Burnett

I have been going through a lot with my…

I have been going through a lot with my dog and I am so glad I chose Spot insurance as my coverage. You guys are quick & fare when filling claims & getting reimbursed in certain situations. Wish I would of gotten coverage in the past on my other dogs. You guys are also decently priced to where it is affordable if you pick & choose what you really need to be covered.
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5

out of 5

POSTED: | BY: Ralph Giordano

Amazing customer support and such quick…

Amazing customer support and such quick action on the claims. I refer spotpet to everyone who will listen!
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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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