Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 9,942

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: C.Alvarez

Consistently GREAT Coverage & Service

This is my second year with Spot and their service is consistently excellent. Claims are easy to submit, are reviewed quickly and processed fairly and accurately. There’s nothing NOT to love about Spot! I have 3 friends who are now covered with Spot. I told my vet’s front desk staff, spot is the best. And yes, I had previous coverage elsewhere and it was a hassle; what was “allowed” and “not allowed,” rendering the coverage useless. Spot is fair and accurate! We’re clients for life, Spot makes your pet’s vet care affordable. Thanks Spot for helping my best friend stay healthy.
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5

out of 5

POSTED: | BY: Anita Hurd

Having pet insurance has always been a…

Having pet insurance has always been a top priority for me and having the peace of mind if something major happens my fur baby is covered. Filing a claim is simple and easy and claims are reviewed and paid quickly. Great experience!
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5

out of 5

POSTED: | BY: Mare

SPOT is the best!

I have had many dogs but the first time I purchased pet insurance was through Spot Pet Insurance. I compared providers and they appeared to be one of the best. I am so happy I went with Spot! They have been superb! They have numerous insurance options, are responsive to any questions or requests, explain the claims in detail and have truly been a blessing for me.
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5

out of 5

POSTED: | BY: Tracey

SPOT gives us peace of mind

SPOT Pet Insurance gives us the peace of mind for our rescue dog. We are thankful for the benefits offered as well. The website is easy to use and understand.
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5

out of 5

POSTED: | BY: annie nichols

Fast response and process was fairly…

Fast response and process was fairly easy
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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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