Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 9,917

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.
2

out of 5

POSTED: | BY: Kathryn H

Impossible to cancel.…

I had Spot insurance for over a year and luckily never needed to file a claim as my pup stayed healthy. I moved out of the country a few months ago and emailed them to cancel my policy. Note - I emailed the address that they sent my policy info from - which is labeled “reply” and does not send an automatic message or have any notes in their prior message that it’s an unmonitored account. I was charged the following month. I emailed them again - this time attaching random emails from their website that they suggest emailing for quotes. They finally responded and cancelled my plan but argued they wouldn’t honor my original cancellation date. It’s also important to note that they don’t have any emails or instruction on how to cancel on their site. I now have to take this up with my credit card company. I would not suggest Spot to anyone I know. Edit - I’m even more disappointed by their blatant lies in their response. There is no footer in the email that the account is unmonitored, the email is reply(several numbers)@mypetinsurer.com. Also there is no automatic message as I mentioned above. And there is no clear information on how to cancel on their website. You can see for yourself.
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5

out of 5

POSTED: | BY: Snowed in

You make it mostly easy to file a claim…

You make it mostly easy to file a claim and I get paid back pretty quickly. It's nice to have insurance for my pets
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5

out of 5

POSTED: | BY: Sarah Smith

So helpful in my dogs time of need!

So helpful in my dogs time of need!
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5

out of 5

POSTED: | BY: New Samuel's Customer!

Thankful for SPOT's communication, professionalism, and fast resolution of my claims!

Although it seemed like I spent a long time submitting my first two claims, it was worth the time and effort! One phone call and all my questions were answered, great customer service! Within two days, the claims were in the "Processing Phase". In one week, my claims were completed, and the money was transferred via an ACH transaction into my bank account! Thankful for SPOT's communication, professionalism, and fast resolution of my claims!
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4

out of 5

POSTED: | BY: Renee Hubbard

Claim Processing Was Timely

Processing time for my claim was good. I had to print a claim form, fill it out and send a copy by email. The online portal didn’t work for me for submitting my claim. I’m not sure why they wouldn’t pay for sales tax or medical disposal fees, but those were minimal, so overall, I gave them a four star review.
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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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