5
out of 5
POSTED: | BY: Carleen Rivera
God bless Spot!
God bless Spot!
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4.6
out of 5
Number of reviews 9,922
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: Christie Juarez
Great pet insurance!
Spot insurance has been great. They have been easy to work with, transparent, and not stingy when it comes to coverage and reimbursement. Their process to submit claims and estimates is easy and their customer service is friendly and competent. Claims take about 5 days to process in our experience but we have been happy with our experience overall.
5
out of 5
POSTED: | BY: DJ from TX
Claim reimbursement was easy!
Filing a claim for reimbursement was quick and easy. Monthly premium is also fairly priced.
5
out of 5
POSTED: | BY: Angela Dugan
Clear, fast, affordable
Very clear on what is covered and how to submit claims. Very past claims and payment process. Premiums are also very reasonable compared to other plans I've looked at.
4
out of 5
POSTED: | BY: Andie
Great pet insurance company
So far I have been very pleased with SPOT insurance. They are quick to respond to my claims,& quick to process.
There are just a few little changes I wish they’d make. I wish it was a little easier to see exactly what the amount was you were reimbursed for a claim. It’s a little tricky to see and wish it just said it in the email they send, saying your claim was processed.
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)