Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 9,968

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.
5

out of 5

POSTED: | BY: JASMINE S.

Spot Pet Insurance is the Best!!

Spot Pet Insurance is the Best!!! Preventative care being offered, easy process to submit claims, incredible customer service and insurance agents are always super friendly, compassionate, and nice. They actually care about my sweet girl. Everytime I’ve called for questions or help they always ask how she’s doing. We just had to get a huge surgery done for our girl and I called ahead of time to send them the estimate. They processed it in my account so when I submitted the final bill for the surgery it was a super smooth process. Turnaround time for reimbursement is super fast and efficient. I’ve always received reimbursement and completed claims within less than 2 weeks. Typically we see claims completed and reimbursement around 1 week from the claim date. Very fast, very reliable, no hassle, and always friendly. I recommend Spot to my friends and family and will continue to use them for my girl Riot and any future animals I decide to get! Best decision I ever made was going through this company for Pet Insurance!
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5

out of 5

POSTED: | BY: Aché Lytle

Consistently Caring and Reliable 🐾💛

Spot Pet Insurance has been wonderful to work with. After losing a parent last year, I brought home my sweet dog, and like most new pet parents, I’ve had my share of vet visits for normal care and minor health issues. We’ve even had a couple of ER visits recently, and in the midst of the stress of being in the pet ER, it was comforting and gave me peace of mind knowing we were covered by such a dependable and caring company. Every claim has been handled quickly and compassionately, with clear communication and prompt reimbursement. I’ve already recommended Spot to friends because of how consistent and supportive they’ve been. Truly grateful for their care and reliability.
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5

out of 5

POSTED: | BY: Trish Webb

Very easy claim experience!

Very easy claim experience. No hassles submitting or with reimbursement.
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5

out of 5

POSTED: | BY: Anastasia Kazarian

Rapid response to reimbursement for …

Rapid response to reimbursement for treatment for our dog
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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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