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Spot Pet Insurance Review

13 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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13 Customer Comments & Reviews

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M
Michael Y

5/12/2024
In your review of Spot Pet Insurance, you mention pre-existing conditions. We have had two claims disallowed due to definitions by Spot which have no clinical basis. The first occurred following dental procedures on our Sheltie. Her mouth is too small for all teeth and some were extracted. Spot disallowed the claim because, during a previous exam the vet noted in the medical record that the dog had a grade one dental condition - meaning there was tartar on the teeth. Spot said grade 1 indicated "severe dental disease" and disallowed the claim. Grade one is on a scale of 1-4. Spot has failed to provide their scoring algorithms. The second denial was again based on Spot's... Read More

ufound.ruth

3/1/2023
Thanks for the comments. I was about to enroll, but will obviously need to do more research.

tlsteranko2006

10/21/2022
I didn't think one company could make so many mistakes. When I sent in a claim for my dog, they sent me messages numerous times that they did not have it. When I contacted the vet's office, they had sent it to Spot twice. When I took my dogs in for their Wellness Exam (after the insurance had been effective for three months), they did not pay for the exam, even though I had it under my coverage and the specifics were listed as covered. First, they told me it wasn't covered, then they told me I took them in before I had coverage. I went back to each dog's claims and saw that they had listed each dog had "spent" $50 on "wellness," which was obviously not true. I cannot imagine how this... Read More

B
Beth M

9/7/2022
They're very quick to get you to enroll but leave out all kinds of important information: The latest.... I wanted to lower my percentage of reimbursement so my premium would go down... I tried doing it online; however was not able to do it so I had to call them. I was told by the rep that the reason I was unable to lower it myself is because I can only change it at renewal time. I WAS NEVER TOLD THIS...I'm paying a huge amount as I have 2 dogs, once who is aging... I strongly recommend you train your sales agents to explain everything... the good, the bad and the ugly. I hadn't thought of asking if they allow a change in this when I signed up... At this point in time, I'm considering... Read More

B
Beth M

6/21/2022
Website is not user friendly- finally after days I get an email telling me they received my claims Good news I thought since I met my deductible Not so fast- now they’re telling me they requested medical records- mind you - both claims are not complicated I view this as a delaying tactic Signed up w them because of great reviews but they’re really too new to get any negative reviews Very pleasant customer service excellent all I kept getting were excuses- as a client who’s paying a lot of money to insure two dogs I don’t want excuses - I want a solution They’re no better than anyone else I’m giving them 2 weeks to reimburse me - if it takes longer I’ll be opening a claim with... Read More

M
Melissa R

4/10/2022
Hi I’m getting a Boxer puppy tomorrow…Does your plan cover wellness visits as well?

J
Jessica

12/2/2021
We've had spot insurance for over a year of the 6 claims we filed they only covered 2 of them. My dog fell ill, and we submitted the claim and they denied it with no explanation. You try and call them and it's an hour long hold time, or you can email with 24 hours in-between responses. Told them I was upset with the turn out asked for explanation or to please cancel the coverage, they just emailed me back canceled coverage as of 12/1. They obviously don't really care about pets or the customers at all. much better options out there. don't be fooled because they pay to be #1

chichifourth

11/18/2021
Posted on other site for review but our posting got removed since it's a one star on Spot Insurance endorse"Dog Whisperer" by Cesar Millan that we watch all the time for Dog training.

chichifourth

11/18/2021
Share your experiences to help others make better decisions Update on Labrador 1 Yr and 2 months Old and Coviniently paying a year of insurance, Just processed a claim and completed, with no explanation whatsoever. Called Spot Pet Insurance and they said our dog was diagnosed with gastroenteritis according to their Spot Staff, which is a desease and not an accident. The thing is our dog ingested something that caused stomach upset and vomitting blood but guess what they will not cover it because they keep saying its gastroenteritis. Ingesting foreign object is included for the accident insurance that they offer but if your dog got gastroenteritis as a result of ingesting foreign object... Read More

chichifourth

11/17/2021
Just processed a claim and completed Just processed a claim and completed, with no explanation whatsoever. Called the insurance and they said our dog was diagnosed with gastroenteritis which is a desease and not an accident. The thing is our dog ingested something that caused stomach upset and vomitting blood but guess what they will not cover it because they keep saying its gastroenteritis. Ingesting foreign object is included for the accident insurance that they offer but if your dog got gastroenteritis as a result of ingesting foreign object then it's not covered! Funny how they can get away with it and play you with the policies they have. Oh well, time to find another insurance...

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