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Spot Pet Insurance Review

12 Customer Comments & Reviews - see all comments
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Spot is a pet insurance provider based in West Palm Beach, Florida. It was founded in 2019 and aims to deliver first-class coverage without breaking the bank. Their pet insurance policies are underwritten by United States Fire Insurance Company.
 
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How is Spot rated?

Breakdown

5.0/5
Coverage
5.0/5
Cost
5.0/5
Extras

Overall Rating: 5 / 5 (Excellent)

Spot is more flexible than many of its competitors, offering unlimited annual coverage with no vet restrictions and no upper age limits on insured pets. Though there are waiting periods on accidents and illnesses, these are typical for the industry and shouldn't be cause for concern. You may be able to find a slightly cheaper rate elsewhere, but Spot's policies are pretty competitive and worth a closer look, especially if you've felt restricted by the terms some other pet insurance providers set. Spot offers a 30-day money-back guarantee but this is only available if no claims have been approved or paid. Still, the guarantee does allow you to try out Spot's 24/7 veterinary advice hotline, which is part of your policy benefits from day one.

Spot Coverage

Coverage - 5 / 5

Spot offers all the core coverage options you'd expect from a pet insurance provider, including coverage for accidents, illnesses, and hereditary and congenital conditions. You may choose from accident-only policies or accident and illness policies. Spot makes it easy to find something that suits your budget and provides the protection your pet needs. There's no vet network to worry about, so you can continue taking your dog or cat to the vet you feel most comfortable working with.
Pets Covered
Dogs
Cats
Coverage Types
Medical
Wellness
Vet Selection
Unrestricted
Out-of-State Coverage
Yes
Commercial Pets Covered

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Dental Illness
  • Behavioral

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Behavioral Therapy

Benefit Limits

Benefit Limits - 5 / 5

Spot customers may choose from a variety of annual coverage limit options, from $5,000 to unlimited. This spread is wider than what you find with most pet insurance providers. Unlimited annual coverage limit options aren't that common, so Spot is worth a closer look if you don't want to worry about running into annual limits.
Benefit Limit Types
Annual

Reimbursement & Deductibles

Reimbursement - 5 / 5

Spot reimburses you for the actual cost of your pet's veterinary care. This is the most desirable reimbursement model because it enables you to better predict how much you'll have to pay out of pocket. You may choose between 70%, 80%, and 90% actual cost reimbursement after you've met your deductible. The higher the reimbursement percentage you choose, the less you'll pay out of pocket, but the higher your premiums will be.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
70%
Maximum Percent Reimbursement
90%

Deductibles - 5 / 5

Spot allows you to choose between an annual deductible of $100, $250 or $500, which is on par with many companies the industry. Once you've met this deductible, Spot will pay up to the reimbursement percentage you selected for additional veterinary treatments.
Deductible Type
Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$500

Pricing: How much does Spot cost?

Cost - 5 / 5

Spot's pet insurance policies are a little more expensive than some of its competitors' plans but still fall within the average range. Actual costs will depend on where you live, the type of pet you have, and the level of coverage you want.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$40.57
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$16.94
Rate Details: Annual Deductible: $500, Benefits Cap: $5,000, Reimbursement Model: 70% of Actual Cost
Available Discounts: You receive a 10% discount for any additional pets you insure beyond the first.

Enrollment & Waiting Periods

Enrollment - 5 / 5

Spot enables you to enroll dogs or cats at eight weeks or older with no upper age limits. Some pet insurers won't cover older pets, so Spot is a great choice if your pet is already showing some grey whiskers. It's also a great choice for households with pets of multiple ages. There is a 14-day waiting period for coverage of illnesses and accidents, but this is in keeping with many pet insurance policies.
Min Enrollment Age
8 weeks
Accident Waiting Period
14 days
Illnesses Waiting Period
14 days
Free Look Period
30 days

Claims & Service

Extras - 5 / 5

Pet owners can't always distinguish between minor and major pet health matters. Spot plans include an online pet hotline that customers can use to talk to veterinary care experts 24/7. This is a great feature for those times when you're not sure whether or when your pet needs to be seen by a vet. Customers can submit claims online, through the SPOT App, mail, or fax. If you have questions about how long it takes claims to process, you should reach out to Spot for more information.
Claim Form
Online Portal

Company Disclaimers

Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. For all terms and conditions view your policy documents or visit spotpetins.com/sample-policy. Preventive Care reimbursements are based on a schedule. Accident & Illness coverage reimbursements are based on the invoice. Products, schedules, discounts, and rates may vary and are subject to change.

Insurance products are underwritten by either Independence American Insurance Company (NAIC #26581. A Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254), or United States Fire Insurance Company (NAIC #21113. Morristown, NJ). Please refer to your policy forms to determine the underwriter for your policy. Insurance is produced by Spot Pet Insurance Services, LLC. (NPN # 19246385. 990 Biscayne Blvd Suite 603, Miami, FL 33132). CA License #6000188. (California residents only: PTZ Insurance Agency Ltd., d.b.a PIA Insurance Agency Ltd. CA license #0E36937).

Contact & Additional Information

Homepage URL
https://spotpetins.com/
Headquarters Address
400 Clematis St., Ste. 208, West Palm Beach, FL, 33401
Year Founded
2019

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12 Customer Comments & Reviews

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eventpromostaffing

6/11/2021
6/11/21 This rating is currently based on my limited experience with SPOT. I have not yet filed a claim. I am basing this review off off the registration and payment process as well as excellent customer service (which includes real people answering the phones). I am getting ready to go through the claims process and will change this review accordingly if necessary. I pledge to be fair with my expectations and expect that I will be treated fairly according to the terms of the contract (which I read forward and backward before enrolling) but can be very open ended when it comes to diagnosing pets with pre-existing conditions or preventative testing v/s necessary testing as you can see by... Read More

gfuentesgz

11/24/2020
I wish I could say SPOT will have your back, but I can’t… We purchased the policy when my puppy was 3 months old. He got into trouble and swallowed rocks twice: once before and once during the insurance waiting period. The first time, he went to the ER for an endoscopy to remove them from his stomach. The second time the Dr made him puke it out. He had diarrhea for a couple weeks after due to all these procedures, but it went away after some time. It was all paid out of pocket ($4K) because the policy wasn’t active at this time. Too bad timing didn’t work out but that was the rules we agreed to, no hard feelings there. After the waiting period was over, our dog started causing... Read More

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