Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 9,931

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: J.

Waste of money

Got the insurance for our puppy at 12 weeks old. Price was $52.80 a month. We have had it now for a year and have had our dog cared for by the vet for shots along with micro chip and spayed. Beware everything is itemized and will place charges under different items than you think they might be and will send the rest to a deductible. We have paid $633.60 for 12 months and have sent in bills for $1433.00 for care that was not out of the ordinary and recieved back $110. What a Scam! Take the $633 a year or whatever it is and invest the money. You will have a better outcome on your return. Just another insurance company looking to screw you over. STAY AWAY!
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5

out of 5

POSTED: | BY: Tracey Kaluga

Spot Pet Insurance is the absolute…

Spot Pet Insurance is the absolute BEST! Their customer service is spectacular! They always answer questions and pay claims promptly. I will never use another pet insurance company. I'm a customer for life!
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1

out of 5

POSTED: | BY: Dakota Weik

Very Misleading Company

Hello, I never write negative reviews, but today I am because this company is very dishonest. I applied for health insurance for my kitten, and was told that everything I needed to be covered including the exam and spay was reimbursed by 90%. I triple checked with the representative to make sure that if I upgraded to the more expensive platinum plan, that it will include the procedures I needed. After it was all set and done, I was reimbursed barely 40% of the total cost. I called them back to discuss the issue and they said sorry that you had a representative tell you that, it's not true. Zero accountability, and completely misled me before I paid $600 in bills.
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5

out of 5

POSTED: | BY: Melissa

Spot Pet Insurance makes life easier

Spot Pet Insurance is fast, responsive and diligent. I appreciate the swift response in a challenging time. Very high recommendations and I never leave reviews!
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4

out of 5

POSTED: | BY: Dennis Pfeil

Lexi’s claim…

The claim form ask questions that you already had. Had to get Lexi’s medical records and scan them to my documents and then add them to form. Little to much to ask. Need to make easier.
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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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