Spot Pet Insurance Review

Spot Pet Insurance operates as a reimbursement type of coverage that can work with any veterinarian. Spot offers an impressive level of customizability and flexibility when it comes to prices on their plans. As a pet parent, you’ll be able to choose from two plans with choices of six annual limits, five annual deductibles, and three reimbursement rates. This ultimately ensures that you only pay for the services that your pet needs.

PLANS





What pets can be covered by Spot Pet Insurance?

Spot offers numerous plan options for both dogs and cats.

What types of plans does Spot Pet Insurance offer?

Spot offers Accident-Only Coverage, Accident and Illness Coverage, and comprehensive wellness plan options. Spot offers the following choices when it comes to customizing your premium: 

• Deductibles: $100, $250, $500, $750 and $1,000

• Annual limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000 and Unlimited

• Reimbursement rates: 70%, 80% and 90%

When does Spot Pet Insurance recommend you sign up for pet insurance?

While Spot doesn't place any kind of upper limit on age, they do advise all pet parents to ensure they are at least 8 weeks or older. Spot also emphasizes the importance of insuring your pet before they end up dealing with a pre-existing condition.

Does Spot Pet Insurance offer a discount for multiple pets?

Spot offers 10% off for each additional pet that's added. The discount comes off the lower premium.

Does Spot Pet Insurance offer pet insurance in all 50 states?

While Spot pet insurance policies are available in all 50 states you should note that the specific coverages will sometimes vary from state to state.

COVERAGE





Which breeds can be covered by Spot Pet Insurance?

There are no breed limitations when it comes to what type of dog or cat can be covered by Spot pet insurance.

What are the minimum and maximum ages that are covered by Spot Pet Insurance?

The minimum age that Spot requires your dog or cat to be before they can be insured is 8 weeks. There are no upper age limits with Spot pet insurance.

Which common procedures are covered by Spot Pet Insurance?

With Spot's least expensive, Accident-Only Coverage you'll have common procedures resulting from unexpected injuries covered, like toxic ingestion, broken limbs, fractured teeth, and swallowed objects.

Are emergency vet visits and procedures covered by Spot Pet Insurance?

Spot offers coverage for MRIs, CT scans, X-rays, surgery and hospitalization, cancer treatments, and medical supplies (bandages, casts, and splints being some examples).

Which procedures or conditions are not covered by Spot Pet Insurance?

Spot doesn't cover the following procedures/treatments:

• Aesthetic, cosmetic, and endodontic dental services such as caps, crowns or crown amputation, fillings, implants, and root canals or planing.
• Anal sac (gland) expression and/or resection when no infection is present
• Boarding
• Breeding, pregnancy, whelping, or nursing
• Conditions that occur during a waiting period
• Cosmetic and elective prostheses or procedures (including but not limited to claw removal, ear cropping, and tail docking)
• Dental cleanings unless used to treat a covered illness or covered by an applicable endorsement
• Experimental or investigational treatment or medication (including clinical trials) that is not generally accepted in the veterinary medical community as effective or proven
• Grooming or grooming supplies (including but not limited to non-prescription baths, ear cleanings, non-prescription shampoos, and nail trims).
• Herbs
• House call fees, time, and travel expenses to and from the veterinarian's premises or hospital.
• Illness or injury that results from intentional, malicious, or grossly negligent activities or from failure to perform actions commonly accepted as responsible pet care by you, a member of your household, or a caregiver for your pet.
• Non-medical supplies such as but are not limited to toys, training devices, and leashes.
• Non-Veterinary services (including but not limited to administrative fees, medical records expenses, medical waste, postage, and tax).
• Pre-existing Conditions that occurred on or before the effective date of the policy or during a waiting period.
• Prescription food, pet food, diets or treats are used for prevention or general health maintenance (including weight loss)even if prescribed or dispensed by a veterinarian.
• Preventive care without an occurrence (including but not limited to general health maintenance diagnostics, laboratory procedures, medications, physical examinations, and surgery) unless covered by an applicable endorsement.
• Supplements and vitamins are used for prevention or general health maintenance (including weight loss) even if prescribed or dispensed by a veterinarian.
• Veterinary expenses related to coursing, organized fighting, law enforcement or guarding, personal protection or racing.

Are medicines and vaccinations covered by Spot Pet Insurance?

Spot will go ahead and cover prescription medications and supplements that are required to treat a condition already covered by Spot.



CLAIMS





How long is the waiting period after enrolling with Spot Pet Insurance?

The waiting period for Spot pet insurance is 14 days from the effective starting date of your policy.

How do I file a claim with Spot Pet Insurance?

With Spot Pet Insurance the next time you need to visit the emergency clinic, a specialist, or a vet clinic, you'll be responsible for paying the bill upfront. You'll then submit a claim to Spot by clicking the "Claims" icon and following their simple instructions. Make sure that you don't forget to take a picture of your invoice, and that you upload it to complete the claim submission. The great news here is that Spot generally reimburses between 70-90% of the claims they receive. Additionally, Spot will email you when they receive your claim, and you're encouraged to check the status of your claim at any time by clicking on the claims icon.

How do I pay my Spot Pet Insurance premiums? Do I have an option between paying monthly vs. paying annually?

You will have the option to pay your Premium for Spot pet insurance on either a monthly or annual payment schedule. The rate of your premium will be determined by your pet's age, breed, and where your pet lives. Other factors that could affect the total cost of your premium are the plan you choose, your deductible, your reimbursement percentage if you have opted for preventative care or not, and any of the discounts offered by Spot that you're eligible for.

What other things should I consider about my Spot Pet Insurance coverage?

A couple of other important considerations when it comes to Spot pet insurance is that you're not required to send in your pet's medical records for your pet to be eligible for signing up for your policy. With that being said, it still might be worthwhile to provide your pet's medical records if you have them on hand so that you can let Spot know about any pre-existing conditions that your pet has. You should also note that Spot pet insurance only covers cats and dogs, and not any exotic animals at this time.



CUSTOMER SERVICE





What kind of customer support does Spot Pet Insurance offer?

Spot receives an overall solid review from customers when it comes to the customer service that they provide. However, you should note that Spot's customer service isn't available on the weekends.

Does Spot Pet Insurance have a mobile app? 

Spot pet insurance has an app available in both the Apple app store and the Google Play store. For the Google Play store, you'll need to make sure that you have a working computer or an Android mobile device. With the Apple app store, you'll need a working iPhone. Then, with the Spot app downloaded you'll have access to the Member Center features. From there you'll be able to submit and track claims, view your policy, update your content info, find or add a vet clinic, and more on your phone or tablet at any moment.

Does Spot Pet Insurance offer a trial period?

Yes, Spot offers a 30-day money-back guarantee. Should you decide within the first 30 days of your policy that Spot isn't for you, you'll be provided with a full refund of the premium amount so long as you haven't had a claim covered. You should also note that this only works if there haven't been any claims filed, and the 30-day money-back guarantee isn't available in NY.

How can I cancel my Spot Pet Insurance plan?

If you end up canceling your policy after the first 30 days or if you have your claim covered, any possible refund that you'd otherwise receive will be subject to relevant state regulations. Additionally, should you need to cancel your claim request, you'll be able to do so by calling the call center at, 1-855-921-3025.