Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 10,739

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: Calista Bithell

Poor Communication, Sketchy Practices

The process for filing a claim was unnecessarily complicated. After filing the initial claim they requested additional documents from us which we provided. It took them over a month of back and forth calls and emails to actually acknowledge that they received the documents we sent. During which time they repeatedly denied the claim stating that they did not receive the documents (they did). After almost two months they finally denied our claim. When we called and asked why, they stated that it was an issue with one of the documents from the vet. They told us we could call and ask the vet to change the medical records in order for the claim to go through. After such a long headache of them not communicating and then suggesting that we ask a vet to change records, we decided that Spot Pet Insurance was not for us and canceled our coverage. Our overall experience was incredibly frustrating and disappointing.
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5

out of 5

POSTED: | BY: Marie Roquebert

Great insurance!! Spot has given us support during very…

Spot has given us support during very difficult times, they process claims quickly and customer service has been amazing when we needed them. Thank you Spot team!
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5

out of 5

POSTED: | BY: Joanne Mazzarese

Easy Process

I was new to the process and I asked for the forms to fax to Spot. Whenever I had a question, the answer was just a phone call away. I never had to wait when I called and everyone I talked to was eager to help. The money was deposited in my bank account the next week after the paperwork was faxed.
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5

out of 5

POSTED: | BY: Mary Porter

Processing was very fast

Processing was very fast! Thank you!
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5

out of 5

POSTED: | BY: Summer

My experience has been acceptable until recently making them great

My experience has been acceptable with Spot until recently last month I lost my best friend of 8 years. Spot answered all my questions and concerns regarding his coverage and overall policy information. The representatives were very responsive and respectful. They didn't transfer me to 4 different people or place me on several holds during our conversation nor was I rushed off the phone like other companies. Even after the called ended I received a voicemail from a representative who informed me that she'd heard of my recent loss and the remorse in her voice was so genuine that it brought me to tears. Spot has made my experience with insurance vastly different.
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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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