Spot Pet Insurance Review
- 30-Day Money-Back Guarantee*
- Up to 90% reimbursement on eligible vet bills
- Multi-pet discount & access to 24/7 vet helpline
- Visit any U.S. licensed veterinarian or specialist
- Accident, illness, and optional preventive care coverage available
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.
Up to 90% Vet Bill Reimbursement
24/7 Telehealth Helpline
No Upper Age Limit on Enrollment
Coverage Starting at as Little as $10 per Month
Coverage for Pets of Any Age and Breed
Coverage
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. 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.
What's more, Spot's pet insurance policies cover dogs and cats, and you have the option to select from medical or wellness coverage. Additionally, you're not restricted to in-state coverage only – Spot provides out-of-state coverage, too. The medical conditions covered by Spot's policies include accidental, illness, hereditary, congenital, cancer, chronic, accidental dental, dental illness, and behavioral issues. Spot's policies also cover a wide range of medical treatments, including diagnostic testing, surgery, hospitalization, prescription medications, emergency care, specialty care, alternative care, and behavioral therapy.
Though there are waiting periods on accidents and illnesses, these are typical for the industry and shouldn't be cause for concern.
One of the standout features of Spot's pet insurance policies is that 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.
Spot reimburses you for the actual cost of your pet's veterinary care, which 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.
Pricing
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. For example, a one-year-old male Golden Retriever in zip code 92683 would have a sample monthly premium of $40.57, while a one-year-old male American Shorthair in the same zip code would have a sample monthly premium of $16.94. Please note that these rates are based on an annual deductible of $500, benefits cap of $5,000, and 70% actual cost reimbursement.
Enrolling your pet with Spot is easy – you can enroll dogs or cats at eight weeks or older with no upper age limits. There is a 14-day waiting period for coverage of illnesses and accidents, but this is in keeping with many pet insurance policies. Additionally, there is a 30-day money-back guarantee available if no claims have been approved or paid.
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 visit spotpetins.com/terms-conditions/. Preventive Care reimbursements are based on a schedule. Spot On Coverage reimbursements are based on the invoice. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. Insurance plans are underwritten by Northbridge Insurance. Insurance plans are marketed and produced by Spot Insurance Services, LLC. (NPN #19246385)
