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: Susan

Revised review: We do recommend Spot (for now)

Spot pet insurance has taken over 2 months to reimburse for a neuter surgery. We have had countless interactions with outsourced customer service at Spot and no check has been received. We gave bank info to deposit in our account but they could not, for some reason, deposit so supposedly they sent a check: interesting they can take the money out monthly but cannot deposit! The website said successful bank info was entered. So they said they sent a check. We did not receive for a month so called and they cannot try to re deposit, they “have to mail it”. Still have not received. I wanted to believe they were a good company because of all the good reviews but our experience has been terrible. We will be finding a new company to insure our very healthy fur baby. Revised review: after working with very helpful people at Spot we finally received the check this Saturday. Hallelujah!! We will stay with spot hoping the next reimbursement goes better. I Confirmed we are on direct deposit. So I changed my review to 5 stars because they reached out and went above and beyond to help us get our check.
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5

out of 5

POSTED: | BY: Karla

spot

Easy app! easy to follow your app not alot of things to choose from
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5

out of 5

POSTED: | BY: Tom Di Iaconi

Spot’s claim process

Spot’s claim process: Quick, easy, and fair.
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5

out of 5

POSTED: | BY: Alma Barrientos Angeles

Great experience!

This was my first experience with SPOT and it is very easy to use. Even if you have questions, you can call them and they were very patient answering my questions and supporting me.
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5

out of 5

POSTED: | BY: Helen

I am glad I chose this insurance for…

I am glad I chose this insurance for Buffy. They are always fast to process the claims and mail out the checks. I am really impressed and do not think any other company could do better. I am really, really impressed with the amount they allow on the claims. Once again, I am so glad I have SPOT Pet Insurance. A great investment!
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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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