Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 9,947

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: Ivan Rud

From 1 star to 5

Initially, this could have easily been a 1-star review because all my claims for my puppy’s illness were denied, labeled as pre-existing condition. But after an appeal and a thorough review, I finally received full reimbursement for all my claims. They corrected their mistakes and recalculated everything. In the end, though they did cause me some stress, I’m happy it worked out (at least for now), and I hope things go smoothly in the future. I’m impressed by how the company took the time to really dig into my case, review all the evidence and vet statements, and admit they initially processed my claim incorrectly. I’m giving 5 stars because I did get the outcome I wanted, and I can say the company does pay claims. For anyone else in a similar situation, my advice would be don’t rush to judge. Try working with customer support and backing up your case with evidences if you feel your claim was unfairly denied. Best of luck and wishing health to your pets!
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5

out of 5

POSTED: | BY: Melinda Lawford

FAST!

I submitted a claim and by the time I checked on it, we were already reimbursed!
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4

out of 5

POSTED: | BY: amanda stillman

Thanks for making submitting my claim…

Thanks for making submitting my claim and reimbursement easy!
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1

out of 5

POSTED: | BY: Melissa Vest

They denied yet another claim

They denied yet another claim. My French Bulldog had a food allergy prior to us having this insurance that we fixed by changing his food. He now seems to having environmental allergy issues due to the try season in Texas (new to us we are from Chicago) and he is licking his paws like crazy. And they are saying that basically anything allergy related will not be covered. So what is the point? This is a NEW condition! He was not licking his paws before a month ago. Very unhappy and feel like I am wasting my money.
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5

out of 5

POSTED: | BY: Michael Risucci

Claims are easy to process and are paid…

Claims are easy to process and are paid in a timely manner.
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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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