Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 9,922

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: Zoey Fan

Great customer service team

Our dog Zoey had a torn CCL and needed surgery and she has been healthy before so we didn't have much medical records of Zoey, this was a source of confusion when we submitted our claims, the claims were initially denied and we had to made a few calls to Spot's support team, but every time we called there wasn't much wait and the support staff were all very patient and professional, especially Gloria, who called our vet clinic right away and got the confirmation needed while we are on hold. We never had this kind of responsiveness on any customer services calls. Our dog is still young and it give us great peace of mind knowing we have Spot insurence, highly recommended.
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4

out of 5

POSTED: | BY: Gregory Helton

Quick processing and payment of claims

Quick processing and payment of claims. I so wish the reimbursement rate was greater, but at least it is better than nothing. Overall very pleased
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1

out of 5

POSTED: | BY: Linda Ebersberger

I submitted a claim over a eeek a d a…

I submitted a claim over a eeek a d a half ago and every time I turn around you all want more info ! I have a puppy with zero issues and no real medical history yet you all want one ! Sorry I choose you guys
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3

out of 5

POSTED: | BY: lois hoaks

george gets monthly shots now and its…

george gets monthly shots now and its very difficult to get the claim form sent ..this recent one actually went ok .... its the first time with no issues
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5

out of 5

POSTED: | BY: CB

Easy claim processed quickly!!

Easy claim processed quickly!!
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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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