Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 11,404

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: Lindsey Marymont

Be careful with Spot Pet Insurance.

Be careful with Spot Pet Insurance. I used Spot Pet Insurance for years but when we rehomed one of our dogs (went to my mother in law, in great hands) I tried to cancel my insurance for him and spent so much time in the portal to no avail. I had to call, sit through loops, ended up connected with an AI agent (why didn't I get that from the start? why couldn't that have been a simple chat in the portal?) I learned they don't have an online cancellation option - at all. This kind of setup feels intentionally inconvenient and not customer-friendly. I’d think twice before signing up unless you’re comfortable dealing with cancellation hurdles.
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5

out of 5

POSTED: | BY: Darlene Granillo

Everything very easy!!!

Everything very easy!!!
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5

out of 5

POSTED: | BY: Pamela

Prompt reimbursement

Prompt reimbursement for our fur-baby's recent visit to the veterinarian made it less stressful for us.
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5

out of 5

POSTED: | BY: Jim Hash

Very easy to work with

Very easy to work with. Company was very responsive and made the reimbursement process a breeze.
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5

out of 5

POSTED: | BY: Lewis Dutton

Spot was Spot on.

Spot was Spot on for processing the payment. They processed the payment before my Siberian Husky Enza went in for her 2 week checkup for a torn CCL. They saved me over $3,300.00 so obviously I highly recommend Spot Pet Insurance. My daughter has 2 German Shepards, they were running in her backyard, 1 of them had her stomach flip and needed an emergency visit to the Vet and an operation. They didn’t have insurance, almost $5,000.00 vet bill. That’s when I decided to get insurance. Dogs aren’t cheap, Spot Pet Insurance is.
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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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