Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 11,063

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.
1

out of 5

POSTED: | BY: Susan Tipper Mann

REHOME FEMALE FROM BREEDER

Only had for 2 months. Submitted a claim that included “ear infection” and “ fecal analysis of hook worm”. She is a 5 year old lab that we adopted from s breeder two months ago. Spot requested past records for shots and vet records for 1 year. I sent a total 5 year history from the breeder of shot records(breeder gave me the list), but there are no records of vet visits of health issues as the breeder did all her own inoculations. Thus no illness preexisting conditions, because no vet visits for illness. Now, what is one to do if Spot will not cover a simple ear infection or hookworm diagnosis, because I Afopted my female dog from a breeder. She is 5 years old. I have vi tact Spot 3 times now providing all the required/available information to no avail, bother claims have been closed and denied. IF YOU HAVE A PREOWNED, RESCUED OR ADULT MOMMA OR STUD DOG THUS I DURSNCE IS NOT FOR YOU. I will be calling to cancel my insurance.
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5

out of 5

POSTED: | BY: Shirley Carbullido

Claim processing is fast and efficient

Claim processing is fast and efficient. My reimbursement came in quickly.
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5

out of 5

POSTED: | BY: Morgan

Just do it already. It's 100% worth it.

I feel like I should be a spokes person for pet insurance at this point. Spot has been absolutely easy and pain-free to work with. The claim process is incredibly simple and their process time is quick, making it even faster to get reimbursed. I tell everybody about spot, no joke. At this point, I should get it tattooed on me... And I'm not even exaggerating. If you are on the fence, just do it. Spot helped me and gave me peace of mind and they can do the same for you.
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4

out of 5

POSTED: | BY: Susan Koons

So far I haven’t received any benefits

So far I haven’t received any benefits
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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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