Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 9,968

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: Lance Knox

Spot is Top Notch

If you're considering pet insurance I can't recommend Spot Pet Insurance Enough. We had both of our dogs on a plan and they helped pay for 2 surgeries for our older dog. Most recently picking up almost 800 dollars of her tumor surgery. When we made the impossible choice to put her to sleep forever we just handed the vet our credit card. It would cost what it would cost. That's not something you negotiate. Later in the day, I called Spot to let them know we needed to cancel Annie's plan. They were so sweet and helpful. They made the cancellation date the next day and told me to file a claim for the expenses of euthanizing and cremating her which I did. The next day I got a call from a spot pet customer service person who was just calling to see how we were doing and asked if Milo was handling the loss ok. Yesterday we got a hand written condolence card from them. Today they paid out the claim for Annie's last vet visit. This company is top notch. We will be customers for as long as they continue to operate.
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4

out of 5

POSTED: | BY: Kristie

Simple and efficient

The process was quite simple and straightforward! One less thing I have to stress over.
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5

out of 5

POSTED: | BY: JULIE

THE EMPLOYEES ARE WONDERFUL!!!!

The employees are WONDERFUL. Fulfilled my reimbursement for services quickly! So happy with this company, that I would like to work for them!
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5

out of 5

POSTED: | BY: Russell Mengollo

Spot On Service!…

Got reimbursed on first claim and do not have to meet a criteria. Also did not raise premium when I changed the breed of dog because the original drop-down did not have my dog breed and when they did, my premium doubled.
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5

out of 5

POSTED: | BY: Daniel O'Shea

Very straightforward interface

Very straightforward interface. Submitting claims was very easy. Claims processed quickly. Overall very easy process.
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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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