Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 9,931

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: Lauren M

Easy, fast, and painless pet insurance!

Spot has made processing claims so easy. We have 3 plans for 3 different pets, all accident and illness with no wellness packages. When I submitted my first claim, they needed additional info (prior veterinary records) and they contacted my vet on my behalf to obtain them, so I didn’t even have to go out of my way! All claims we’ve made have been approved very quickly and it provides such peace of mind. While we technically have spent more on premiums than we have been reimbursed for, knowing that any serious injury or illness will be taken care of and all never have to worry about cost when it comes to my animals’ health is so valuable. I have unfortunately not insured all of my pets in the past and have paid tens of thousands for surgeries for one of my senior animals - I can’t help but wonder how different my financial situation would have been during that time if I had been proactive about pet insurance! So I think this is an extremely worth while investment in my furry family. I also needed to call and update our policy at one point and had a phenomenal customer service experience. 5 stars for Spot and their kind team.
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5

out of 5

POSTED: | BY: Lauryn

So far my experience with spot…

So far my experience with spot insurance has been great. My claims I’ve made have been processed and approved and refunded rapidly. I’m paying an affordable premium. This is the first year I’ve had to make any claims so my review will be updated once I see how that affects my premium rates next year!
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5

out of 5

POSTED: | BY: Cassandra George

Great experience

Great experience! Very simple process to submit claims and receive reimbursement.
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5

out of 5

POSTED: | BY: Nicole Warman

Easy to submit a claim and get…

Easy to submit a claim and get reimbursed!
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5

out of 5

POSTED: | BY: Leann

It’s nice to know I don’t have to worry…

It’s nice to know I don’t have to worry about money while taking care of my sick pets! Thank you for having such options to choose from!
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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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