Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 11,668

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: Meagan

Great experience!

I am so happy I chose Spot for my pet insurance! When my cat started having mysterious GI symptoms, it was a relief to know I didn't have to worry about the rapidly increasing costs of vet visits, testing, and medication. I especially appreciate that their coverage includes exam fees! I had no idea how fast those could add up until I started monthly vet visits! Spot's policies are clear and easy to read, the claim submission process is simple and quick, their turnaround time is usually within a week, and their customer service is excellent! The one minor complaint I have is: it wasn't clear when I signed up that I would not be able to raise the annual reimbursement limit once it was set. I meant to have a slightly lower annual limit for year one, then raise it in year two when I'd recouped the costs of adopting a new cat and buying supplies. I didn't find out until year two that wasn't allowed. I recommend spending the extra money at the outset for a higher reimbursement level! Other than that, my experience with Spot has been 100% wonderful! Thanks, Spot Team!
Read more on Trustpilot
5

out of 5

POSTED: | BY: Denise Bruno

I am grateful for Spot

I am grateful for Spot. My chihuahua recently fractured her front ankle. Once i submitted my vet bills they were reviewed and process quickly. I appreciate that so much.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Sharon Aasand

Spot pet insurance is the best

Spot pet insurance is the best. Great coverage good price on premiums and prompt claim filing. Team members are always kind and helpful!
Read more on Trustpilot
5

out of 5

POSTED: | BY: Patrick Laird

Easy enrollment process

Easy enrollment process. Filing claims is quick and simple.
Read more on Trustpilot
1

out of 5

POSTED: | BY: Fred Soutter

If there were an option to put zero…

If there were an option to put zero stars I would. Poor customer service and denial of all claims is the standard for this company. My dog had to have a surgery and then a follow up. Then another issue arose. We received a $9 reimbursement on over $3000 in medical bills. And when we questioned the low amount sent to us the person on the phone said we hadn’t met the deductible! When we requested to cancel the policy the person on the phone became rude and hung up on me in the middle of my conversation. Do not buy insurance from these people they are only interested in collecting premiums and refusing to pay any claims
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