Spot Pet Insurance
Spot offers some of the most flexible and customizable pet insurance plans on the market – exclusively for cats and dogs. The provider can offer you a free quote in 30 seconds and a 30-day money back guarantee so long as you don’t make a claim. Customers love the digital-friendly experience provided by the app and easy-to-use website plus the 24/7 pet telehealth helpline for around-the-clock support – VetConnect™. VetConnect™ gives you quick access to an expert via chat, phone call, messenger, and even video.
Table of contents
- How does Spot pet insurance work?
- The benefits of Spot pet insurance
- Spot plans explained
- What does Spot pet insurance cover?
- Spot coverage vs. other insurers
- Is Spot pet insurance good value for money?
- How good is Spot’s customer service?
- How do I contact Spot?
- What is Spot’s claims process?
- How much will Spot pay for my claim?
- Are there any exclusions?
- What are the waiting periods for conditions?
- How quickly does Spot pay claims?
- Can I customize my Spot plan?
- State availability for Spot
- Verdict: Is Spot pet insurance good?
Our Spot rating
Pros & Cons of Spot pet insurance
- 10% multi-pet discount
- Microchip cover
- Covers vet visit fees for illness and accidents
- 24/7 pet telehealth line
- 14-day waiting period for accidents
How does Spot pet insurance work?There are a wide range of plans available with Spot covering accidents, illnesses, hereditary conditions, and emergency care. Preventative care is an available extra and customers can customize deductible, reimbursement, and annual limit amounts – all of which will affect your monthly premium. The age, breed, sex, and location of your pet will also be used to calculate your quote. Claims can be submitted via the app, website, fax, or mail. They are then paid by direct deposit or through a check sent in the mail.
The benefits of Spot pet insuranceFlexibility and personalization is key with Spot insurance. You can add as little or as much as you want to your plan and there is coverage to suit every budget, starting from as low as $17 a month. You’ll also be able to claim a 10% multi-pet discount on added pets and a $25 Amazon gift card if you live in an eligible state – subject to availability. The 24/7 VetConnect™ telehealth service is a huge plus for pet parents who might need emergency support or extra guidance. There is also no upper age limit for enrolment.
Spot plans explainedThe two types of basic plan are accident + illness cover or accident only. But each of these plans can be fully customized by annual limit ($2500-unlimited), reimbursement rate (70-90%), and annual deductible ($100-$1,000). From here you can also add a basic or premium preventative care plan at an extra cost.
What does Spot pet insurance cover?Most Spot plans cover accidents, illnesses, hereditary and congenital conditions, behavioral issues, and alternative treatment – some of the most comprehensive insurance on the market. Exam fees, microchip implantation, and selected dietary supplements are also included which will be hard to find elsewhere.
Spot coverage vs. other insurersHow does Spot stack up against America’s other providers? Have a look in our handy table!
|Annual coverage options||$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited||$5000, $10,000, $20,000+||$10,000, $30,000+||$5,000, $8,000, $10,000, $15,000, $30,000||$5,000, $10,000, Unlimited||Unlimited||$5,000, Unlimited||$3,000, $4,000, $5,000, $7,000, $10,000||Unlimited||$5,000, $10,000, Unlmited||$10,000, $20,000, Unlimited||$20,000||$10,000, Unlimited|
|Deductible options||$100, $250, $500, $750, $1,000||$100, $200, $500||$100, $200, $500||$200, $300, $500, $750, $1,000||$100, $250, $500, $750||$100, $250, $500, $750, $1,000||$50, $100, $200, $250, $500, $1,000||$100, $250, $500||$0 - $1,000||$300, $500, $700||$100, $250, $500||$250, $500, $1,000||$250|
|Reimbursement options||70%, 80%, 90%||70%, 80%, 90%||70%, 80%, 90%||70%, 80%, 90%||70%, 80%, 90%, 100%||50%, 60%, 70%, 80%, 90%||70%, 80%, 90%||70%, 80%, 90%||50%, 90%||70%, 80%, 90%||90%||90%, 100%||50%, 70%, 90%|
|When does coverage start?||14 days||Immediate||2 weeks||2 weeks||2 weeks||15 days||14 days||15 days||5 days||15 days||14 days||15 days||14 days|
|Maximum age at sign up||No Maximum||14 years||12 years||14||No Maximum||14||No Maximum||No Maximum||14||No maximum||No Maximum||14 years||10 years|
|Are vet exam fees included at no extra cost?|
|Are dental accidents covered?|
|Are dental illnesses covered?|
|Is there a wellness plan offered?|
|Is there a virtual vet/telehealth service?|
|End of life coverage|
|Is there a multi-pet discount offered?|
|Is there a charge for paying monthly?|
|Is there an app to make claims?|
*Coverage is based on choosing unlimited coverage, 250 deductible and 90% reimbursement
Is Spot pet insurance good value for money?Spot has the option to choose accident-only coverage and there are a host of customizable options to suit every budget. Customers can claim back up to 90% on their vet bill and set their own annual claim limit to be unlimited if they want to really make the most of pet insurance.
|4-month-old Mixed Breed Medium||2-year-old Golden Retriever||6-year-old Domestic Shorthair Cat|
|Los Angeles||New York||Florida|
How good is Spot’s customer service?Looking at recent reviews, the communication at Spot is second to none and customers love the fast payouts. The pet hotline and innovative app go a long way towards Spot’s great customer service.
How do I contact Spot?Aside from the 24/7 Pet Health Helpline, customers can submit a question online via the contact page or phone the call center on 1-800-905-1595. Use the priority code SpotSpot_Top10 for urgent queries.
What is Spot’s claims process?The quickest way to submit a claim to Spot is through the app or online form, by uploading a photo of your invoice and adding it to your claim submission. You can also send your claims form via fax or mail. Once your claim has been processed you will be paid with whichever method you selected - direct deposit or check in the mail. Keep track of your claim with the online customer portal or app.
How much will Spot pay for my claim?You will receive the percentage of claim which you selected for your policy, anywhere between 70% and 90%. This reimbursement will be minus the deductible amount.
|Cash back w/ 70%||Cash back w/ 80%||Cash back w/ 90%||Difference between 70% & 90%|