Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 10,740

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: Sara

Spot "Family" is heartless and worthless

We recently switched to Spot Pet Insurance from a different insurance logo owned by the same company - Independence Pet Holdings - because Spot offered an affordable monthly premium for our middle-aged beagle. All of Spot's customer service initially seemed warm and inviting. Turns out they are just as heartless as you would expect from any private equity-owned insurance company who is just looking to make money off of careful pet owners. Just like many other pet insurers do, Spot Pet Insurance promptly denied our first claim we submitted as a pre-existing condition, but in this case, we have been paying premiums for years to Hartville, which is literally part of the same company that reports to the same CEO and has the same insurance underwriter - Independence Pet Holdings. So even though this company has been paid by us for years, and even though we have no diagnosis for our dog yet, Spot promptly wrote us off as having a pre-existing condition without further ado. Truly so frustrating when you are just trying to do the right thing and seek insurance for your family member. We are now canceling our policy and going the route of a savings account for pet costs.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Terri Robertson

Real easy to file a claim.

Real easy to file a claim.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Susan Rutledge

Best Decision

Purchasing Spot Pet Insurance for my mischievous Labradoodle was the best decision I’ve ever made! Reimbursements are easy to submit and processed quickly!
Read more on Trustpilot
5

out of 5

POSTED: | BY: PATRICIA

Wonderful service

Wonderful service. Thank you
Read more on Trustpilot
5

out of 5

POSTED: | BY: Daphney Cadatal

everyone is very helpful and claims are…

everyone is very helpful and claims are so easy
Read more on Trustpilot
Please leave a review

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)
Provider website

Get a quote today

Leave a review