5
out of 5
POSTED: | BY: jamesdjej
A-1 service
A-1 service. No complaints.
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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.
5
out of 5
POSTED: | BY: Kirk Koester
Geneva Allergic Reaction
Quick response and easy to submit claims.
5
out of 5
POSTED: | BY: Linda Madigan
Very easy to submit my claim
Very easy to submit my claim. The emails I received regarding missing info were clear and very quick. The claim was resolved within a week.
5
out of 5
POSTED: | BY: Ana B.
My doggie injured his back right leg
My doggie injured his back right leg. I took him to his vet who recommended an exam, x-rays and meds. after all was said and done I received the bill. I submitted the bill to Spot and just in a couple of days I received payment in my bank account. They paid exactly what they said they would and showed it in detailed.
5
out of 5
POSTED: | BY: Rosemarie Gelinskey
We really made the right decision in…
We really made the right decision in purchasing Spot pet insurance. This coming January Sadie will be 2 years old. We have had Spot insurance since May of 2024 paying $48 a month. 17 months at $48 paid $816 during this time Sadie had racked up $1,000’s in wellness and medical costs. Spot covered and reimbursed us 80% after a small yearly deductible. The very best decision we ever made purchasing Spot pet insurance. I was concerned when Sadie’s policy was renewed she would either be refused continuance of insurance or it would increase dramatically due to the claims we had especially the first year. Much to our surprise insurance continued and at the same premium! Spot insurance makes it very easy to submit a claim and the reimbursement in our opinion is reasonably quick with direct deposit. Spot insurance couldn’t make it any easier. I would highly recommend Spot insurance. Representatives are helpful and easy to work with.
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 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)