Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 9,917

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.
4

out of 5

POSTED: | BY: Dimitrius Dante

Spot wants to do right by your pet

I was initially very annoyed that the only time this company asked for six months of past medical records was when I filed a claim for euthanasia. Moreover, when I called the claims office I was routed offshore where several people were rude, poorly trained and generally unhelpful. I had to ask for a supervisor callback to get any information. However, I have changed my opinion on this company and it is significantly better than before. The claims were processed in a week ( a couple of days after receiving the records from the vet). The reimbursement amount was acceptable. One needs to understand that the reimbursement is between 70-90% of the ALLOWABLE CHARGES based on what is reasonable and customary for your area and that charge. Don’t expect them to pay for prescription dog food. I would appreciate for Spot to respond with their policy and whether they ever pay for it. In general, they responded to the above concerns in a timely and professional manner. You can expect your premiums to increase every year even if you never file a claim. I would most definitely recommend this company. I believe that they want to do the right thing.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Lisa Obrien

Very happy with Spot Insurance

Very happy with Spot Pet insurance. Paying monthly for the "what if" is completely worth it, and a resonable price, in case your pet ends up needing emergency care or an operation, etc.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Verna Coleman

My claim was very easy to file with…

My claim was very easy to file with them and the reimbursement arrived a very short time after filing.
Read more on Trustpilot
1

out of 5

POSTED: | BY: Karan Chawla

They do not cover your medical bills

They try their best not to cover your medical charges. My dog had a bacterial infection of the eye previously which was treated with antibiotics (did not have Spot insurance at the time). A few weeks later my dog developed allergies which manifested as eye redness but Spot did not want to cover the medical charges because they considered it a continuation of his bacterial infection several weeks prior. They proceeded to explain that they would not cover any eye inflammatory conditions for the next SIX months due to their policy. Waste of money - recommend going with other insurance companies.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Raj

Spot Fans!

We have been customers for just over a year had a great experience with both customer service and claims processing.
Read more on Trustpilot
Please leave a review

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)
Provider website

Get a quote today

Leave a review