Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 11,668

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: Ginny

Pay them money dont expect reimbursement

My dog had an emergency illness and I also was required to show 6months to a year of medical documents too. ..... they stated the ones from the vet weren't sufficient. My dog is healthy and doesnt go to the vet that often so when I submitted documents the next few days I get a completed status and a rejection that states claim not eligible with NO EXPLANATION - how can you deny my claim with no explanation when you required 6 months of documents on my end???? My dog has accident and illness i read the coverage and my emergency should be covered. I have xrays and labs done on top of everything and none of that is eligible? And they completed it on a holiday weekend so that now I cant call and ask for a reason??? Scam. This is ridiculous why are we paying for pet insurance if we cant get reimbursement? So they just take your money... last time I checked money doesnt grow on trees and it aint free $1500 out the toilet.
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5

out of 5

POSTED: | BY: Elizabeth

We have been with Spot for a couple of

We have been with Spot for a couple of years without needing reimbursement. The last few months Spot has been fair and paid out as expected and pretty promptly. So far, I am pleased with Spot.
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1

out of 5

POSTED: | BY: Anon

Spot is a stain

Spot selectively denies coverages and claims without a true, reasonable basis, also refused to communicate with me and their customer “service” was nonexistent. They also appear to troll negative reviews selectively (but leave enough to appear as if they are not) and go out of their way to get them removed. This is not an honest or good company, they did not care about my pet or the truth at all.
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5

out of 5

POSTED: | BY: IsaC

Great Insurance

Processing claims is very easy and the reimbursement time is great. Nice to have a dependable insurance for my babies
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5

out of 5

POSTED: | BY: Bill

Never had pet insurance before and…

Never had pet insurance before and listened to various people on how hard their experience was with the companies they used. Just submitted my first claim and no issues whatsoever. Very impressed with the ease of using Spot and will remain a customer.
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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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