Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 10,730

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: Jessie M

Quick, reliable, and empathetic service!

We used Spot to insure our sweet, adventurous indoor/outdoor rescue cat that we found as a stray. We had a few claims from vet visits, both routine and more urgent, and had no issues at any point with being reimbursed. The process was easy and the reimbursement was in our bank account within a few days, each time. Our boy unfortunately passed away very suddenly and unexpectedly at only 3 years old. After I created a claim for end of life services, Spot reached out letting me know they cancelled our policy for us and that we could still submit any necessary claims. Then a few days later, we got a call from a caring agent with Spot, asking us how we were doing after his death. Honestly, I never expected such great service from an insurance company! We will absolutely use Spot again for our future pets.
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5

out of 5

POSTED: | BY: Roger Deck

Everything so far is great fast Claims

Everything so far is great fast Claims
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5

out of 5

POSTED: | BY: LW, PA

Super fast processing time!

Just filed my first ever claim and they processed it so fast! I got everything covered up to what my coverage entails. I’m so impressed and highly recommend this insurance!
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5

out of 5

POSTED: | BY: Sue Kelley

Super easy

It is easy to submit a claim and Spot’s response time is very quick.
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2

out of 5

POSTED: | BY: Mary Adams, Grace Realty Group

Highly disappointed in this company

Highly disappointed in this company. 5 claims were submitted and they covered only 1. They claimed "pre-existing condition" and denied the whole claim instead of covering what was NOT pre-existing. No one even tried to contact me.
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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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