5
out of 5
POSTED: | BY: TJ
super easy to submit claims and get the…
super easy to submit claims and get the insurance you want
Read more on Trustpilot
4.6
out of 5
Number of reviews 11,055
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: Georgia Lawrence
The app makes filing a claim easy
The app makes filing a claim easy. Claims are processed quickly.
5
out of 5
POSTED: | BY: Sherri Reily
Spot Insurance is a great company to…
Spot Insurance is a great company to work with , very easy claim process . Will recommend to my family and friends .. I have been extremely happy with this provider
1
out of 5
POSTED: | BY: Consumer
After my claim was denied
After my claim was denied, I tried to cancel the policy and a representative talked me out of canceling and said he would re-open the claim which merely needed a more readable documents from the veterinarian. He said he would request the document himself. Two weeks later, no update. Another representative said further documentation was needed and that she would call the vet to get it. Two weeks, no update. Tried to cancel again and they kept giving me the same bull. Meanwhile another month’s premium was paid. I tried to cancel again. She tried to transfer me to a representative who “handles” cancellations. I waited over ten minutes and was told someone would call me back within 24 to 48 hours. I raised hell. She connected me immediately to the “handler,” who tried to talk me out of cancelling again. I put my foot down after months of $70 premiums for two cats and a huge chunk of wasted time with these guys.
5
out of 5
POSTED: | BY: Ana Kosaka
Never say you'll never need it
Never say you'll never need it! Our dog got sick unexpectedly, week after week, and the expenses started piling up. I had been paying for the insurance for almost 2 years without needing it and now I get to enjoy the benefits. It's such a peace to know SPOT has had our back and that the financial burden is lifted.
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 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)