Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 9,942

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.
1

out of 5

POSTED: | BY: Ebony Hall

Not Dependable

I was issued reimbursement for my puppy on December 30,2024. I was told check was mailed out on January 3, 2025. Told to wait 7 to 10 business days which I did. No check. Called and was told to give it until the 17th of January but still no check. Called again and was told to give it until the 20 of January. Still no check. Called on the 21 of January and was issued a new check and now they have went from a check arriving in 7 to 10 days to saying it will be up to 20 business days for me to receive my check. I have direct deposit but yet they say they can’t put it in direct deposit because I didn’t sign up for direct deposited when I first did the claim. There is no way that it takes a check this long to arrive to anybody. This place is not reliable and I would advise people not to use this insurance for your pet cause you will not get your money back in a timely manner and they will feed you with false information about your reimbursement. This is my first and last time using this company and I have opted out of this service. Will not ever be using Spot again.
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5

out of 5

POSTED: | BY: Michelle Nguyen

Spot Insurance is a must have! 10/10

I wholeheartedly recommend Spot Pet Insurance for each of your beloved pets! The claims process is done through their app and reviewed quickly as long as you submit the appropriate paperwork. Usually, you just submit an itemized receipt from the vet along with the veterinarian's notes. I hit my deductible this year and was reimbursed for subsequent visits/procedures according to the contract. 10/10!
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5

out of 5

POSTED: | BY: Megan

Very user friendly website

Very user friendly website, that made submitting a claim very fast and easy for my pup. They also reimbursed me quickly for the claims I submitted.
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5

out of 5

POSTED: | BY: Nancy Burdick

Very responsive

Very responsive. Quick to process claims and fair in their reimbursement. Highly recommend!!
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5

out of 5

POSTED: | BY: customer

Using Spot was easy and reduced the…

Using Spot was easy and reduced the stress of managing the care of our pet who was involved in an unexpected incident. It was easy to provide the receipts and responses were prompt and as we expected, without complications.
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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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