Spot Insurance Review

As one of the fastest-growing pet insurance providers, Spot has created a name for themselves by focusing on high-quality policies that are then offered at an affordable price. Focused on being there for pets and their owners when they need it most, this is an insurance provider that has gone above and beyond when designing their plans to ensure it meets the needs of virtually everyone. 

Joining forces with famed dog trainer and author Cesar Milan, Spot is the only pet insurance provider to earn his stamp of approval. Currently serving as their chairman and spokesperson, Cesar Milan helps to educate pet parents on the importance of having a great insurance policy, and he stands by Spot as they represent the same care and commitment to quality care and support that he advocates for.

If you are looking for pet insurance that you can depend on, Spot offers comprehensive plans that are affordable and customizable so you get the exact coverage you want. From accidents to illnesses, wellness and more, Spot Pet Insurance strives to help you keep your pet happy and healthy at all times, and will work with you so that you never have to decide between proper vet care and affording other bills. With up to 90% in reimbursement and personalized annual limits, those who choose Spot enjoy pet-centric coverage and first-class service always.

Covering more than their competitors, and with a 30-day money-back guarantee, Spot is a community-minded company that is dedicated to pet wellness and will be there to make your experience as simple and straightforward as possible.

The most important part of a great pet insurance policy is understanding the coverage it offers. It doesn’t matter how affordable a plan is, if the coverage is lacking and there are complicated exclusions then you aren’t going to get the value that you need at your next vet visit. Some insurance providers make understanding coverage confusing, but Spot believes in upfront transparency so that every owner is fully aware of what their policy provides them with.

Offering a comprehensive accident and illness policy, as well as an accident-only plan, Spot allows pet parents the ability to select the exact type of coverage they want without compromise. Just got your first puppy and want to make sure they are protected against whatever comes their way? The accident and illness coverage will help reimburse you for costs related to things such as:

But Spot also takes coverage a step further by offering assistance with costs usually excluded by other providers. This means you will have access to additional coverage for things such as:

Being able to choose the right insurance policy for you and your furry family member is important, as you want to make sure you are getting exactly what you need while also staying within your budget. Spot is committed to keeping their plans as affordable as possible, and to do this, they allow owners to pick and choose the reimbursement percentage, deductible, and annual limit that best suits their needs.

Starting with the deductible, this is the amount you will be responsible for out of pocket each year before your insurance kicks in and you can start filing claims. Lower deductibles means higher monthly premiums, but they also mean you don’t have to worry about paying off high bills on your own at the beginning of each year. Spot allows you to find the perfect balance by offering the following annual deductible options: $100, $250, $500, $750, or $,1000.

The next thing you will need to select is the annual limit that you think will give you the right amount of coverage for all potential vet visits. Annual limits are important as you want to make sure you have enough for anything that may come your way, as anything above the limit will be completely your responsibility. Ranging from $2,500 to unlimited, Spot has one of the widest annual limit ranges available so owners can truly pinpoint exactly what works for them while also keeping their monthly premiums affordable.

The final customization option is the reimbursement percentage, which refers to how much Spot will refund you on all eligible vet visits. With 70%, 80%, or 90% available, this will impact not only how much you pay monthly, but how much you pay any time your pet sees the vet. For the majority of owners 80% is the preferred option, but both 70% and 90% have their own benefits you may want to consider.

Each year, once your deductible has been satisfied, you will then get the green light to submit claims and receive reimbursement for eligible vet visits. The amount that Spot will reimburse you depends on the percentage you selected during enrollment, with the remaining percentage being your out-of-pocket responsibility. 

Keeping the process streamlined and simple, Spot makes it a breeze to file claims and be reimbursed, and it all begins with their online portal or handy app. Utilizing advanced technology, the claims process is quick and hassle-free and only takes a few moments to complete. Simply fill out the form, take a picture of your receipt, and submit everything digitally for it to then be processed. No more printing of paperwork or trying to hunt down a fax machine, everything can be completely online, with the option to do it manually if you so choose.

Not confident you will have the available funds to pay for treatments upfront and await reimbursement? No problem! For select vets, Spot may be able to pay the clinic directly so you are only responsible for your percentage and not the entire bill. To learn more about this, you can reach out to a Spot representative directly and they will be able to give you more information and answer any questions you may have.

When looking at the cost of pet insurance it is important to understand the various factors that go into someone’s monthly premiums. Where you are located, what type of pet you have, their breed, size, and age can all impact how much you ultimately end up spending. In addition, the various customizations you can make to your policy will also raise or lower your premiums depending on which numbers you settle on. 

Since pricing can vary from owner to owner, you will want to take advantage of Spot’s free quote offer. Guiding you through the process of setting up a policy, Spot will show you exactly how much you can expect to pay on a monthly basis, and show you how each customization will impact that amount. 

One of the best parts about the free quote, besides its upfront transparency, is that it comes with no strings attached and there is no obligation to continue with enrollment if you aren’t completely satisfied with what you are being offered. Requiring no credit card info or banking details, the free quote is the best way to get started with Spot and see exactly what your personalized policy would look like and cost. 

Once you have completed the free quote form you will then be shown a breakdown of costs as well as more details about what your policy would cover. At this point in the process, you are free to close out and move on with your day, or, if you are interested in continuing, you can proceed with enrollment. 

Enrolling takes virtually no time at all, and you will be able to lock in the rate that you were offered during the quote process. All that will be left for you to do is checkout, pay your first month of premiums, and wait for your insurance coverage to kick in following the waiting period. 

For both accidents and illnesses there is a 2 week waiting period that you must adhere to before you can begin filing any claims. During this time it will also be important that you submit any required veterinary notes and pet health history to Spot so that you are fully eligible for reimbursement in the future. If you are unsure about what is required, or have any other questions during the enrollment process, you are encouraged to reach out to a Spot representative directly and they will be happy to answer questions and guide you through the process.

In addition to their standard accident and illness coverage, Spot does offer optional wellness packages for pet owners who are looking to engage in preventative care and maintenance on a regular basis. Broken down into two tiers, these preventative plans help to keep your pet healthy on a day-to-day basis and will reimburse you for expenses not otherwise covered by a standard policy. 

Those who add on either the Gold or Platinum plan to their policy will enjoy extra coverage for things such as:

On top of that, if you upgrade to the Platinum package you will also get additional coverage for:

While completely optional, many pet owners do find that adding on preventative coverage is beneficial as it helps cover some common costs throughout the year. Not only that, but staying up-to-date on wellness care can also reduce the chance of illness later on, saving you more money over the course of your pet’s lifetime.

If you are interested in learning more about Spot Pet Insurance, or if you want to obtain your own free policy quote, you can visit the Spot website directly. There you will have access to sample policies, an in-depth FAQ, and educational resources that can help you take better care of your cat or dog.