Spot | Pet Insurance Review

4.7

out of 5

Number of reviews 4,932

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.4
  • 4.7
  • Count
  • 0
  • 12
  • 4,932

Updated: November 13, 2023

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: PC Patchen

Spot insurance is a special business…

Spot insurance is a special business that does not have good intentions. My dog had a undiagnosed condition that they are calling a preexisting condition and are now denying claims. My Insurance started February 22 and the undianosed condition was supposedly December 1 after the dog went in for her shots and check up. In February we decided it would be good to have the pet ins as the dog was getting older. March 12 the dog went in because we thought she may have developed a thyroid disease. After a day of blood tests they dianosed her with Cushing's disease.What is written in a pets medical records and not revealed to the pet owners is a good reason not to get a policy from Spot Ins. They will not pay claims on undianosed conditions or for them what they claim is something was already preexisting conditions. i have cancelled the Ins after two payments asked for reimbursement a little after 30 days and they gave me the middle finger.
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5

out of 5

POSTED: | BY: Nisha Williams

Real easy to sign up and I like the…

Real easy to sign up and I like the muti-pet discounts as well, so far, so good
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1

out of 5

POSTED: | BY: marcos baez

All pet insurance companies are trash

All pet insurance companies are trash. I started policy 15 days before I can actually pick up kitten from breeder so that she could be covered for 6 hour drive home and had to cancel because they called me to ask questions and said the 14 day waiting period begins after I pick her up. Despite the "30 day satisfaction guarantee" they allege they will not refund full price, they will charge me for the day of insurance.
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5

out of 5

POSTED: | BY: Christine Bedford

Peace of mind...♥️

Peace of mind...♥️
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5

out of 5

POSTED: | BY: Ron R

The process was very easy to understand…

The process was very easy to understand and did not take long to sign our Boston Terrier up. Thanks for making it easy and simple.
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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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