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: Jen

Expensive kitties....

My cat needed to go to the vet for Behavioral problems and it was pretty expensive for his exam. I have had Spot for a little over a year and I never took advantage of getting reimbursed for any vet bills. I actually did for this visit because it was quite expensive. I have the app and it was so easy to use. My veterinarian supplied the paperwork I needed and I downloaded everything. I received notifications from Spot right away saying they received all that was needed. I was reimbursed for the percentage that was stated for the visit I had. I am so happy with this insurance and have it because I have 2 cats and it totally pays off. It definitely is worth it.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Laura Ouellette-Ward

Spot has been amazing

Spot has been amazing. I've never had pet insurance before and I'm sure glad I did because my puppies were a mess at the beginning and Spot took care of more than I expected. I was really surprised. I'd never go without again. Spot is easy to use and the reimbursement is fairly fast. The customer service is great too. I had a couple questions regarding what they covered and the representative was so helpful and pleasant to talk with. Thank you again.... and I always recommend spot to my friends with pups
Read more on Trustpilot
4

out of 5

POSTED: | BY: Barbara DiLeo

Easy to sumit a claim,also response was…

Easy to sumit a claim,also response was fast and efficient.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Gail Kucharik

very easy to submit and fast response

very easy to submit and fast response
Read more on Trustpilot
1

out of 5

POSTED: | BY: Kenneth S.

I paid 149 to 191 dollars a month for…

I paid 149 to 191 dollars a month for insurance never had a claim than my dog need surgery for this throat the bill was 6,661 l thought that l would get 70% of the bill and you paid me 3,000 telling me i reached my limit. The amount of money I paid for insurance you should have covered the 70%, I will never tell anyone to get your insurance you are a rid off oh I almost forgot I was told l could not file a claim for 1 years but still pay the monthly premium bye bye
Read more on Trustpilot
Please leave a review

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)
Provider website

Get a quote today

Leave a review