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.
2

out of 5

POSTED: | BY: P B

VERY VERY DISAPPOINTED IN SPOT

I have had SPOT for 4 years plus now. Initially things went "ok" with claims, until now. I submit a claim and they are sitting on it. I have now sent 2 emails with the current clinical and treatment plan from my vet; while on phone "oh it's not coming through....I sent tit again,,,,,reluctantly, after about 1o minutes "Oh we have it now"; BOTH days I was given this nonsense. After I sent first email I get an email response that it will take 2 to 4 weeks for them to process my claim!!!!!!!!! This is absurd. I am being treated like I'm trying to get something for nothing. Not sure I will continue with this company after being treated this way. VERY VERY DISAPPOINTED IN SPOT AND THE WAY I AM BEING TREATED. My dog has been sick for couple of months now and vet trying to figure out what is wrong. I wasn't treated this way with my previous claims. UPDATE: A day or 2 after I wrote this the claim was processed and approved and I have received my reimbursement. Nothing was said about my review here. Thank you for taking the time to respond now.
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5

out of 5

POSTED: | BY: Claudia

This was my first expierence submitting…

This was my first expierence submitting a fairly straightforward claim to SPOT Pet insurance: easy claim submission; fast and hassle free reimbursement directly deposited into my account. Thank you!
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5

out of 5

POSTED: | BY: Nick Phillips

Easy to submit claims, fast/efficient claim review, and attentive customer service

Easy to submit claims, fast and efficient review of claims, and Spot sticks to its word regarding providing payout for unplanned pet emergencies. Very impressed and will recommend to friends and family!
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5

out of 5

POSTED: | BY: Cori Beckmann

I recently took my dog for a wellness…

I recently took my dog for a wellness checkup and was reimbursed within a week.
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5

out of 5

POSTED: | BY: Thrifty Traveler

It is so easy to submit a claim

It is so easy to submit a claim. And, Spot Insurance is quick to pay for the reimbursements. Love 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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