Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 11,166

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: Nancy Fragoyannis

Kindness means so much.

Words really can't express how grateful we are to Spot. Last year we adopted two young rescues and I researched online and went with Spot. Previously I had picked a well known insurer for my late Betty only to have them deny every claim. Honestly I never expected to use Spot this soon. Our 5 year old Pembroke Corgi Tater, perfectly fun and healthy fell down to a series of seizures over night just a week before Thanksgiving. He was in the ICU then home then right back to another more specialized ICU. After an MRI, it was found our sweet boy wouldn't make it as he had 7 brain tumors. Absolutely devastating to us as we loved him so. Spot insurance was so simple to file claims through the app, they never questioned me, paid immediately (the bills were 9k). and not only sent me a kind email letting me know how sorry they were for our loss but they also called! The kindness was heartfelt and so very appreciated. I will always recommend and be grateful to Spot.
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5

out of 5

POSTED: | BY: Amanda

Happy Customers

We’ve been using Spot for a few years and have never had an issue with a claim. It is easy to submit a claim and paperwork, Spot reaches out to the Vet’s office if they need more information, they keep me informed of progress, and processing and payment are fast. Fees are transparent, customizable, and reasonable. I would highly recommend Spot to anyone. In general, I greatly appreciate the peace of mind from having pet insurance and I’m so glad to see it widely available now. We know that if our dogs have a major health expense, we’re prepared and will be able to put their health first without getting into a bad financial situation.
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5

out of 5

POSTED: | BY: Kelly Rosas

Good experience

So far, I’ve had a good experience I was able to submit my claim and get the money back that covered using the card that I had to at the time it was fairly simple. I hope in the future will be the same if I have to use you guys again.
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5

out of 5

POSTED: | BY: Susan Maynard

Claims were paid quickly and were…

Claims were paid quickly and were explained well. If I needed to call customer service they were always helpful.
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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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