Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 10,663

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: Heather Burnside

Scary allergic reaction

Our 1 year old golden retriever had an allergic reaction. It came on suddenly when his face swelled up, and he was rubbing his head on the floor and frantically itching and pacing. We went to the emergency vet to make sure he wasn't going into anaphylactic shock, and get a shot of Benadryl and a steroid to stop the swelling. All seemed good until the next night, when he started vomiting and couldn't keep food down. Back to the emergency vet for another exam, more shots, and anti nausea medicine. They recommended we go to our regular vet in the morning for x rays to make sure he hadn't ingested something toxic. This wasn't a cheap few days, but we kept telling ourselves "This is why we have pet insurance". It's easy to submit claims online, and Spot Pet did exactly what they said they would for the plan we have. I've used other pet insurance, and Spot Pet is by far the best I've used. We love our golden and want to give him the best care, and having Spot Pet gave us peace of mind during a stressful time. Thank you for helping us with our baby boy!
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5

out of 5

POSTED: | BY: Audrey Giguere

Spot exceeded my expectations

Spot exceeded my expectations. This was my first time having to file a claim. They processed it very quickly and answered my questions promptly. I am very impressed and appreciate all they did for me. Thank you!
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5

out of 5

POSTED: | BY: Lilliam Lopez

I really like that summiting receipts…

I really like that summiting receipts is easy. Also communication is very quick.
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1

out of 5

POSTED: | BY: Marina Polakoff

It is really hard to get any payment…

It is really hard to get any payment from the insurance. If I could I would give 0 stars to this particular company. I deeply regret I chose Spot Pet Insurance for my cat and spent tons of money on monthly payment instead of paying out of the pocket in the emergency case.
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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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