Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 11,064

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: Erin FitzGerald

Spot Pet insurance was useless

Spot Pet insurance was useless. I can’t believe we switched to SPOT from ASPCA insurance, which was always stellar. I will never choose one just because less expensive monthly premium again. SPOT wields that pre-existing condition like a sharp-edged sword. Our dog had pre-existing mammary tumors. She was elderly when we got her and we acknowledged that. She had eight teets and the two lower showed no mammary growth. Over a one-month period one of these lower teets developed a massive rapid swelling that showed as a mammary tumor but our vet noted the swelling was due to infection. She was treated for infection. Over following three weeks she was treated again at emergency and other locations. Edema from same sudden swollen lower teet area caused edema in leg so she could not walk. The inability to walk was what forced us to put her down - a secondary reaction to infection in a sudden rapid tumor! Not only did SPOT not pay ONE PENNY on this claim, but I was told by a customer service rep on the phone (who slurred his words/sounded drunk - don’t know if he was 🤷‍♀️ but pretty frustrating - fyi SPOT ), that SPOT will not pay for her Euthanasia and her cremation because she died from a pre-existing condition! So now I’m appealing the claim which is a HUGE hassle during a heartbreaking week. ASPCA pet insurance paid our other dogs euthanasia and cremation without hassle or question. They are a far superior company with, by the way, truly sympathetic and kind and articulate customer service reps. Kindness means a lot when your dog is dead, okay? Had SPOT pet insurance showed one modicum of kindness, sympathy, etc and had SPOT paid even a small portion of the claims I would not be writing this review. This company should be ashamed of itself.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Kimi Reader

Submitting a claim is fairly simple

Submitting a claim is fairly simple. The response time is very good. The EOB’s are easy to understand. I really appreciate SPOT PET insurance.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Amy Ragsdale

Amazing service and coverage!

Everything about the "Spot Pet" insurance experience was excellent. Ease in signing up, ease in submitting a claim, and timely manner of providing a benefit payment. Having my pet injured was stressful but Spot made it easier in providing great coverage and service!
Read more on Trustpilot
5

out of 5

POSTED: | BY: DOROTHY GOUEDY

Timely notification of the claim…

Timely notification of the claim progress. Your claim is taken care right away without any hassle. Please so far with the outcome of this pet insurance.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Alex Dapa

The support and care I receivedCare That Truly Makes a Differencewere…

The support and care I received were exceptional. Health is wealth, and Spot Pet truly reinforces that.
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