5
out of 5
POSTED: | BY: Miguel Perez
Very reasonable and quick…
Very reasonable and quick reimbursements.
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4.6
out of 5
Number of reviews 9,974
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: faina
We had an emergency room visit with my…
We had an emergency room visit with my dog for his back problem. The claim process was very straightforward. I emailed them my itemized bill from ER, medical history from our vet, set direct deposit to my bank account and in two days I got reimbursed. Definitely would recommend Spot.
4
out of 5
POSTED: | BY: Mark Robert Davies
Spot has reimbursed me
Spot has reimbursed me, or updated me on claims quickly. They also have live, helpful people to speak to when I call. I've had their insurance since Oct. 2022 and haven't had any problems to date. Keep up the good service!
5
out of 5
POSTED: | BY: Justin T.
Excellent Coverage
My cat needed ED care with unexpected diagnostics, medication, and follow-up care, and the final vet bill was substantial. I submitted my claim to Spot, and I was incredibly impressed with the speed and simplicity of the entire process.
• Easy Claims Process: Submitting the claim online was straightforward and hassle-free.
• Fast Reimbursement: I received the reimbursement much quicker than I anticipated, which was a huge relief.
• Excellent Coverage: The amount they covered was exactly what I had expected based on my plan details, with no surprises or hidden fees.
1
out of 5
POSTED: | BY: Loida Ferrer
Ridiculous Reimbursement Turn Around
It is ridiculous that I have to wait 4 - 5 weeks for a claim reimbursement.
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)