4
out of 5
POSTED: | BY: JC
Better than expected
Fairly easy to submit a claim and they give you many months to file. I prefer checks sent over electronic transfer, and the checks arrive in approx. 2 weeks-this is reasonable. Recently, our elderly cat became very ill costing over $3000 in a couple of months. Spot Insurance covered most of these bills without hassle. We are on the 20/80 plan, and in the end, approx 70% of what the vets charged was covered.
The four stars instead of five is because of the 50% increase of my premium this year on our dog that has had few claims in 4 years. Additionally, we have the platinum wellness plan which I thought should factor into not having large premium increases. Next year, we may cancel the platinum wellness plan add on because it only makes sense if you have a dental cleaning, and Spot only covers $150 toward the dental cleaning. Dentals cost between $400-800 at most clinics. At least consider counting the overage toward the deductible. The vet bills have not doubled in one year, so I don't understand the rational here and none was provided.
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