Spot Pet Insurance Review

Overview

Committed to providing first class service, and helping your pet to lead a happier, healthier life, Spot Pet Insurance is a simple way to help you afford the care your pet needs, when they need it most. By keeping everything easy and straightforward, Spot makes pet insurance something you want to have, instead of a necessary hassle, and their knowledgeable staff are always on-hand to guide you and answer any questions you may have.

No matter the age of your pet, Spot Insurance is absolutely worth looking into, as there will always be times where you will need to visit the vet. From accidents to illnesses, our beloved pets are bound to need some special care in their lifetime, and those types of costs can add up quickly. Spot Pet Insurance provides reimbursement for eligible vet expenses helping to make your pet care more affordable.

Company Information

Spot Pet Insurance is highly-reviewed by customers, and features hundreds of 5-star reviews across the web. This praise goes in a long way in highlighting just how beneficial Spot Pet Insurance is for your pet, as many owners have found it to be the right fit for them and their furry family members. As a company, Spot is dedicated to helping you care for and protect your pets, and they have remained focused on making vet care more affordable and accessible for all owners. You never want to be in a position where you have to decide whether or not to treat your pet because of costs, which is why pet insurance can be so beneficial.

As for the insurance itself, Spot is financially strong and all plans are underwritten by the United States Fire Insurance Company, meaning you are getting legitimate coverage from a reputable and established company. You will never have to worry about reimbursements arriving late or questionable practices, as Spot is upfront, transparent, and committed to making life easier for all of their customers. 

Trustworthy and reliable, it’s easy to see why so many owners choose Spot for their pet insurance needs.  Spot provides some of the most comprehensive insurance around and offers expanded coverage that includes alternative therapies, therapeutic diets, and more. What other insurance providers charge extra for, Spot includes in your policy so your pet always gets the best care, and you don’t have to worry about breaking the bank in the process.

Plan Options

Each plan is highly customizable with Spot, so understanding the variations will depend a lot on what kind of animal you have as well as what you are personally looking for. In general, the two main options you can decide between are Accident-Only Coverage and Accident and Illness Coverage. With Accident and Illness Coverage you pay a little bit more each month in premiums, but you receive more comprehensive coverage, making it a much better deal long-term. However, if you want to spend less, or only want help in cases where there is an accident, the other option is available to you.

To figure out your personal plan, there is a free quote process directly on the website. All you need to do is plug in some general information about your pet, as well as your zip code, and the website will generate a plan that includes a monthly premium total. Once you see the plan offered, you can then customize it directly on the site, and see how each change impacts the premium cost.

The three main things you can customize are the annual limit, reimbursement percentage, and the annual deductible. Each of these three key points are displayed with a slider that you can drag to the amount you prefer. 

Annual limits are how much Spot Pet Insurance will reimburse you for per year. Any vet bills that end up exceeding the limit will need to be fully covered by you until the year resets and you can begin filing claims again. Here, your options range from $5,000 to unlimited, but the higher the limit the higher your monthly premium will be. As a standard, a typical plan will be automatically set at $15,000 to start.

For reimbursement percentage, this is how much of the eligible cost Spot Pet Insurance will give you back. Clients can choose to have 70%, 80%, or 90% reimbursement, with 80% being the most popular option.

Finally, the annual deductible is how much you will need to pay out of pocket every year before your insurance kicks in. Once the deductible has been paid, the remaining claims that are approved for the year will then be reimbursed based on your percentage. With Spot, the deductible amounts are $100, $250, and $500 with most people opting for a $250 deductible.

Coverage

One of the most important things you will need to know when it comes to pet insurance is what exactly you are covered for. Every company has different things that they cover, as well as what they exclude, so knowing the details of your plan will save you a lot of headaches down the road when you try and file claims. 

Spot Pet Insurance makes it simple by offering two types of coverage – accident and illness,  and accident only. For most pet owners, you are going to want to go with accident and illness coverage, since that will assist with bills regardless of whether or not it was an accident or your pet became ill. 

If you are interested in knowing more about what exact situations will be covered under the terms of your policy, you can visit the Spot Pet Insurance website directly to learn more or you can call and speak with a knowledgable representative who will be happy to answer any questions you may have.

In addition to the standard plans offered, Spot Pet Insurance also has preventative coverage available. This will help cover the costs of things such as dental cleanings, wellness exams, vaccines, and more. It is an extra cost each month, and you can choose between the Gold tier and Platinum tier, with Platinum offering some extra benefits.

Unlike some insurance companies, Spot does have coverage available for alternative treatments and therapies, allowing you and your vet to choose the option that works best for your furry friend. Some of these approved alternative treatments include:

• Acupressure, Acupoint, & Acupuncture
• Aromatherapy & Herbal Remedies
• Physical Therapy
• Homeopathy & Holistic Care
• Hydrotherapy
• Low Level Laser Therapy
• Stem Cell Therapy

Another benefit to working with Spot is that your plan includes access to a free, 24/7 vet helpline. Perfect for answering questions about diet, behavior, and finding out if an in-person appointment is necessary, this free helpline can put your worrying mind at ease and give you that extra confidence that you are providing the best care at all times.

Exclusions

Just like with human health insurance, there are some things that are excluded from coverage and that you will not be able to file a claim for. The main exclusion is any condition that was pre-existing and showed signs or symptoms prior to you applying for coverage. This is a standard exclusion for all insurance companies, and is a big reason why it is important to enroll your pet when they are young. Older pets tend to have already experienced some illnesses or conditions, making them not eligible for coverage going forward.

Besides pre-existing conditions, there are other exclusions that Spot Pet Insurance outlines in their policies. For those with Accident-Only coverage, you will be excluded from claiming anything that isn’t an accident related injury, meaning if your pet is sick you are responsible for paying those bills yourself. 

Other exclusions may apply and it is recommended that you read the terms of your policy and fully understand your coverage before visiting the vet. If you have any questions you can contact Spot Pet Insurance directly and one of their knowledgeable agents will be able to assist and answer your questions.

Claims & App

Spot Pet Insurance uses advanced claim technology to make the process as quick and as hassle free as possible. Everything can be completed via their mobile app which is available for both iPhone and Android, meaning there is no need to physically print and mail/fax your forms in. If you prefer doing everything manually, that option is still open to you, but using the app is much faster.

When making a claim, all you will need to do is fill out the form and snap a picture of your vet bill and then submit it. You are not required to send along your pet’s medical records with each claim, although it can help speed up the process if you choose to do so. After your visit or treatment, you will have 270 days to file a claim before it expires. 

Depending on your vet, you may also have the option to get Spot Pet Insurance to pay the clinic directly. This means that you would pay your portion only, and would not need to pay the full cost up front and wait for reimbursement. If this is something you are interested in, it is recommended that you contact a Spot representative directly in order to see if you qualify for this.

Bottom Line

Owning a pet brings so much joy into your home and life, and their endless love and affection makes us want to do anything and everything for them. From picking out the best, healthiest food to getting them the proper treatment when they are sick, there is nothing we wouldn’t do for our beloved family pet.

Unfortunately vet visits can be very expensive, and the cost of diagnosis and treating conditions can add up very quickly. For those on a tight budget, this can mean having to decide whether or not you can afford to give your pet the help they need, creating a heartbreaking decision for many families. 

By opting for insurance coverage you will never need to make that decision again, as Spot Pet Insurance helps you to cover eligible costs when something happens. Their wide range of coverage and approved treatments allows your pet to undergo what the vet prescribes, and you can focus on helping them get better instead of worrying about money. 

With no upper age limit, Spot Pet Insurance is great for pets of any age, but the earlier you register your pet the better it is. If you want to keep your pet as healthy and as happy as possible, check out Spot Pet Insurance today and see how you can start saving money immediately.