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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

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Spot

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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 Pet Insurance Plans

Before getting started with a pet insurance plan make sure to familiarize yourself with how pet 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 pet insurance to help make sure your dog or cat is fully covered and protected.

What is Pet Insurance?

Whether you have a cat or a dog, your pet will more than likely need to see a vet at some point. Seeing a vet is not cheap, and vet bills can add up, sometimes costing you thousands of dollars a year. Rather than paying for medical expenses out of pocket, signing up for a pet insurance plan will help cover the costs of future routine and emergency veterinary bills.

How Does Pet Insurance Work?

Pet insurance works a lot like human health insurance in that plans include payment features like deductibles, co-pays, maximum coverage, premiums, waiting periods, and no coverage for pre-existing conditions.

Deductible: Customers pay a small amount before the insurance company covers the remaining costs of the vet bills. Per-incident deductibles incur for each new expense. An annual deductible refers to money the customer must pay each year.

Co-pay: Co-pay is the percentage customers pay after the deductible. Then the insurer will pay the remaining amount. For example, if your co-pay is 10%, the insurer will cover 90% of the bill.

Maximum coverage: Insurers will limit the amount covered. After that, the pet owner will need to pay the rest. Some insurers have the option of unlimited coverage.

Premium: The amount of money the customer pays monthly for pet insurance. Waiting period: The amount of time before your coverage starts. Sometimes pet insurance providers will not cover an illness or injury if it occurs during the waiting period.

Pre-existing conditions: Pet insurance providers do not cover pre-existing. This refers to a health condition that exists prior to the insurance coverage.

What does Pet Insurance Cover?

Each pet insurance provider has its own customized insurance policies. The extent of the coverage will depend on the provider and plan that you choose.

When choosing a plan, consider whether you want the following types of coverage depending on the needs of your pet:

∙ Preventative/wellness care
- ∙ Hereditary conditions
- - ∙ Dental care
  - - ∙ Unexpected illness and injuries
    - - ∙ Diagnostic tests
      - ∙ Surgeries Hospitalizations
        ∙ Medication Supplements or prescription food
        
        If your pet is at greater risk for certain medical treatments due to its breed or age, you might want to consider choosing a provider and plan that covers breed-specific and genetic conditions. However, it is important to note that most providers do not provide coverage for pre-existing conditions.

Can Pet Insurance Save You Money?

Medical bills, even for pets, can end up costing a lot of money. Paying out of pocket could cost you thousands of dollars and lead to debt. If you own a pet, paying a little now can save you a lot later on.

With our list of the top pet insurance companies, you can shop around for the best option for your pet to ensure you get a good deal for quality coverage.

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