Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 11,166

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: Customer

Invaluable Support with Spot Pet Insurance for Our Puppy’s Health Needs

Having Spot Pet Insurance has been an invaluable asset for our family, especially as we navigated the care needs of our puppy, Hanna. Hanna has faced unexpected health challenges, requiring specialized treatments and a team of professionals. Without Spot, managing her care would have been financially overwhelming. One of the greatest advantages of Spot is their straightforward claims process. Every time we submitted a claim, Spot was prompt in processing and reimbursing us. The coverage we selected has relieved us from out-of-pocket stress, allowing us to focus entirely on Hanna’s well-being without the constant worry about finances. The team at Spot has also been incredibly understanding and knowledgeable, always ready to answer questions about coverage or clarify details. For anyone considering pet insurance, I can’t recommend Spot enough, especially if you’re managing unexpected conditions. Their commitment to Hanna’s health and our peace of mind has made a tremendous difference during a challenging time, and we’re grateful to have chosen Spot Pet Insurance.
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5

out of 5

POSTED: | BY: Brad Campbell

Accident Prone Puppy

Unfortunately we adopted a very accident prone puppy. Spot insurance has been great! Their customer service is next to none.
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5

out of 5

POSTED: | BY: Brooke Ray

Easy to use and quick turnaround time!

Super easy to use system and quick turnaround time on claims. Has been a lifesaver when my dog suddenly developed a new condition!
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5

out of 5

POSTED: | BY: Lisette

Apprehension was eased.

Care and health of my girl is very important to me. With Spot insurance I am more assured that I can afford to keep her that way. I recently had a scare with her health, went to my vet who ran tests and xrays and felt like she should go to a specialist. So I then took her to MedVed, where they did an ultrasound and gave her meds to help her. They worked. The expense was not an extreme concern since I have Spot insurance for her. It covered all that I expected and the whole experience, though caused a lot of anxiety, became a total win for me and my girl!
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5

out of 5

POSTED: | BY: Angela McCracken

Very quick and highly recommend

I highly recommend!
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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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