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Spot Pet Insurance Review

In a nutshell: Spot Pet Insurance is committed to helping your dog or cat live a long and healthy life with its high-quality coverage. Their plans cover preventative care (for an additional cost), emergencies, accidents, injuries, illnesses, and more. With customizable plans, customers can choose the level of coverage for their needs.

Spot Pet Insurance Review

Overview

With Spot Pet Insurance, you can customize your coverage and add preventative care coverage (for an additional cost) to help keep your pet healthy. Spot Pet Insurance provides a 10% multi-pet discount on all additional pets. There is no upper age limit on coverage, so your pet, no matter how old, can get insurance. All pets are eligible regardless of their health and they do not require any vaccinations to be eligible. Their affordable and customizable plan options make it a great option when considering which pet insurance to get.

Policies

Spot Pet Insurance covers your dog or cat in case of injury or illness. Emergencies and injuries are covered by Spot. Even hereditary conditions and behavioral issues related to anxiety or compulsive behavior are covered with Spot. Spot offers extended coverage for your pet with a preventative care option at an extra cost that covers treatments to avoid illness or injury even when there is no underlying illness.

Limitations

Although Spot Pet Insurance has a wide range of coverage, there are some things that are not covered. Annual physical exam fees are not covered by Spot Pet Insurance. Additionally, once your deductible is met, the exam fees associated with illnesses and accidents will be covered.

Spot Pet Insurance will not cover prescription foods, however, certain supplements and vitamins will be covered as long as it's prescribed by a licensed vet.

Spot Pet Insurance is also not responsible for pre-existing conditions, conditions that occur during the policy waiting period, non-FDA treatment, or daycare/boarding. There is no waiting period if you get preventative care, but normal coverage begins 14 days after the date listed on the policy.

Aesthetic and cosmetic dental services, boarding, breeding, pregnancies, cosmetic and elective prostheses, dental cleanings (unless there is an illness), experimental or investigational treatment, grooming, house calls, and illnesses or injuries caused by negligent or intentional activities are not covered.

Although there is no upper age limit, your pet must be at least 8 weeks old to be eligible.

Cost

There is a 30-day money-back guarantee, so you will receive a full refund of the premium amount, provided you have no had a claim covered, if you wish to cancel within the first 30 days. If you cancel after the first 30 days and have had a claim covered before, possible refunds are subject to state regulations.

Customer Support

Submitting a claim is easy. All you have to do is visit any licensed vet, specialist, or emergency clinic and pay the bill. You then send your bill either online, by phone, by mail, or by fax, and you will be sent a direct deposit or mailed a check to get reimbursed up to 90% of eligible vet bills.

You can submit a claim with 270 days from the date of treatment. If Spot needs medical records, they will contact your vet directly. For additional information or questions, you can either call or email Spot.

Call center working hours are Monday to Friday 8 am EST to 8 pm EST.

Disclaimer

Pre-existing conditions are not covered. Waiting periods, annual deductibles, co-insurance, benefit limits, and exclusions may apply. To read all of the terms and conditions, view your policy documents or visit Spot's 'Policy page' on its website. 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).

Pros

Up to 90% reimbursement
No lifetime or per-incident caps
Use any licensed vet

Cons

14-day waiting period
No cosmetic procedures

Our Top 3 Picks

Lemonade

Spot

PetsBest

Fee Structure Variety

Deductibles from $100 to $1,000, customizable annual coverage limits, customers can select reimbursement rates of 70%, 80%, or 90%

Payout Speed

Claims are processed and paid out within 5-7 business days. Payments are consistent and reliable, with multiple payment options.

Integration Capabilities

Good integration capabilities with several veterinary systems and mobile apps, supports electronic claims submissions

Security measures

Good encryption practices and strong security access controls, regular audits and compliance with relevant data protection laws

Customer support

Support via phone and email, with customer service hours from Monday to Friday, 8 AM to 8 PM EST, and Saturday, 9 AM to 5 PM EST

Most Commonly Asked Questions About Dog Insurance Plans

Before getting started with a dog insurance plan make sure to familiarize yourself with how dog insurance works and what plan is best for your furry friend. To help you get started, we've compiled a list of some of the most commonly asked questions about dog insurance to help make sure your dog is fully covered and protected.

Who is Dog Insurance For?

Pet insurance can benefit anyone with a dog. Whether you're bringing home a new puppy or adopting a mature dog from a pet rescue, making sure you have the right dog insurance can end up saving you more money than you realize. If you've had a dog for years but have never had dog insurance, some of the best dog insurance plans could benefit you. Plans cover routine visits as well as emergency care. This means that you wouldn't pay much for routine vet visits, and you have the added security of emergency care coverage.

Having dog insurance is a good idea no matter the age of your pet. Owners with older dogs can especially benefit because, as dogs age, their bodies need more care and attention, just like people. Older dogs should be insured by a provider that offers specialized care for senior dogs. Those who have just gotten a puppy can benefit from dog insurance as well. Puppies need to go to the vet to get many different vaccinations. Therefore, the best dog insurance plan for the owner of a puppy should cover preventative care.

Is Dog Insurance Worth It?

Healthcare for pets can end up costing a lot of money. Having dog insurance provides you with the security of knowing that, in an emergency, you can choose the right medical option for your pet without spending a fortune. You don't have to make any decisions about your pet's well-being based on your finances.

If you already take your dog to the vet on a routine basis, you should look for insurance that covers routine visits and vaccinations. Finding the right pet insurance for your situation and your pet is key. To do this, review the features of the plans available and the type of coverage offered. If you have multiple pets, for example, some companies give discounts on dog insurance for more than one animal.

Can Dog Insurance Save You Money?

Dog insurance can save you money if you choose the right one for your and your pet's needs. When it comes to emergency care, having dog insurance can help you save big. Pet surgeries for emergency situations can get expensive. If your dog experiences an accident, you can end up with vet bills costing thousands of dollars.

Because many dog breeds are very active, they can injure themselves by running, jumping, and playing just as humans do. If your pet lands wrong after jumping or overexerts themselves while running, they could easily tear a ligament in one or more of their limbs. Testing and specialized surgery to repair something like a torn cruciate ligament can leave you with vet bills totaling more than $5,000.

Coverage could cover most of the surgery costs and decrease the bill by almost $4,000 with the right copay and deductible. If your pet has an accident with a car, you could end up paying around $10,000 for the surgeries needed in order to save their life. In this situation, dog insurance with the right copay and deductible ensures that you receive reimbursement for the majority of surgery costs.

What Are Some Common Dog Health Problems?

Dogs have many common health problems that may require you to take your pet to the vet. Having dog insurance gives you peace of mind knowing you can afford pet care. For example, stomach issues represent one of the most common causes for a vet visit among dogs. Dogs suffering from symptoms like vomiting, diarrhea, and refusing food may need an ultrasound, which can range anywhere from around $300 to $500. Some cases may also require additional testing like an endoscopy, which can cost from $800 to $1,000, or a $3,000 CT scan. The best dog insurance plans offer 80-90% reimbursement, so having a dog insurance plan when your pet needs extensive testing could turn out as a financial lifesaver.

Dogs often need treatment for skin conditions, ear and eye problems, and growths. If your dog needs treatment for a skin condition like dermatitis, you may need to pay anywhere between $100 to $500 for their prescriptions. The bill for a visit to the vet for something as small as an ear infection could cost as much as $250. If your pet needs treatment for an eye condition, surgery could cost thousands of dollars. When dogs need care for a growth, a biopsy can cost as much as $1,500. If test results show signs of cancer, a full course of chemotherapy can cost around $15,000. A number of pet insurance plans cover preventative care so that you can catch a lot of issues early on and avoid these high costs. Plans also include illness coverage if your pet is diagnosed with a serious condition.

Which Pet Insurance Provider is Good for Dogs?

There are a number of factors to consider. The best dog health insurance for one pet may not always make sense for another. Circumstances vary from animal to animal so you should think of your pet's age, breed, and overall health when selecting insurance. Of course, you'll also need to consider your budget, the type of specialized services you may need (such as grooming, breeding, etc.), and how many pets you have.

If you have an older dog, Pets Best and Petplan stand out as two of the better dog health insurance companies. Pets Best does not have upper age limits for coverage, and Petplan has plans designed specifically for senior dogs. It's important to note, however, that Petplan can get pricey, and they have no wellness program.

Along with its age, your dog's breed plays a major role in coverage and price for pet insurance. Larger breeds like bulldogs, mastiffs, retrievers, and Rottweilers are more prone to conditions like hip dysplasia. If you have a larger breed, you should look for a provider that will cover things like hip dysplasia and other conditions that affect large breeds.

For those seeking dog insurance for multiple dogs, the ASPCA offers owners of more than one dog special low rates. Unfortunately, the ASPCA does not cover pre-existing conditions.

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