Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 9,917

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: Stefania

Big rate increase

I originally left a 5 star review because of good customer service, ease of use and quick reimbursement. Going into my 3rd year with the insurance and one of my cats had surgery. Again , quick reimbursement and no issues . However , I just received a renewal notice with a $30 increase ( which is a 75% increase, crazy!!) and a canned answer on to why ( rate changed because of increase vet costs , location, age and will never increase because of pet’s claim history ). There is no way vet costs or being one year older should warrant such high increase! Even with changing deductible or reimbursement percentage , the insurance becomes worthless and way too expenses . I am very disappointed by the large rate increase after being a loyal customer with two cats for so long
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5

out of 5

POSTED: | BY: Ofelia Allison

Very responsive to inquiries.

Very responsive to inquiries.
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5

out of 5

POSTED: | BY: Darnell Lee-Basso

You folks handled claims real fast

You folks handled claims real fast. It was easy.
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5

out of 5

POSTED: | BY: Dorothy Miller

The company make it easy to file a…

The company make it easy to file a claim. Also the claim is process in a timely manner.
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5

out of 5

POSTED: | BY: Thomas M.

Great Coverage & Quick Reimbursement

My dog had a large growth on his hind leg that was removed and analyzed to determine if it was benign or not. It was easy to start a new claim on the app and submit the itemized paid invoice for the procedure after it was done. The determination for what would be covered only took 5 business days. The reimbursement was direct deposited into my bank account only 7 business days after the claim submission. Spot worked very quickly for me and fairly covered everything that should have been covered. No run around, hassles or hang ups were presented to me for this claim. I’m very happy with Spots coverage and speed to reimbursement. Also, the growth on my dog’s leg was diagnosed benign, so that was great news. Thank you Spot!
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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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