In a Nutshell
- Preventive care add-on
- More inclusions than most insurers
- Policy covers microchip implantation
- No exotic pets
- No live chat support
Spot Pet Insurance at a Glance
Spot Pet Insurance became the newest player in the pet insurance market when it launched in October 2019. It specializes in customizable dog and cat insurance underwritten by United States Fire Insurance Company, a 188-year-old insurance firm with an ‘Excellent’ financial strength rating. Spot Pet Insurance has teamed up with world-renowned dog behaviorist Cesar Millan to provide customers with free tips on caring for pets.
What Does it Cover
Spot Pet Insurance offers accident & illness coverage or accident-only coverage. Additionally, it offers a preventive care add-on that reimburses you up to the scheduled amount for things that help protect your pet from getting sick. Its program covers medically necessary veterinary treatments, including but not limited to:
- MRI or CT scans and X-rays
- Poison control consultation fees
- Prescription medications
- Surgery and hospitalization
- Medical supplies (e.g. bandages, casts, and splints)
- Cancer treatments
- Treatment for behavioral problems
- Alternative therapies
- Dental illnesses
- Chronic conditions
- Stem cell treatments
- Microchip implantation
Insurance Plans & Pricing
Spot Pet Insurance offers 4 types of coverage: accident & illness, accident only, accident & preventive care or accident & illness plus preventive care add-on. Policies are customizable. To get a quote, fill in details about your pet(s), including age and breed and press ‘Get Quote’. On the next page, you will see 3 options: Standard, with a $5,000 annual limit, Select, with a $15,000 limit, and Premium, with an unlimited annual limit. You can toggle the annual limit, reimbursement, and deductible to create your own coverage.
We provide the following examples of a 4-year old Labrador retriever and 8-year-old common/domestic cat (using a California zip code) just to give you an idea of how toggling the reimbursements/deductibles/limits can affect your monthly premium. Note that we only change one variable at a time, i.e. min/max limit is with average reimbursement and average deductible.
The good news is it only takes 1 minute to get an online quote from Spot Pet Insurance.
What’s Not Covered
Like all pet insurance providers, there are things Spot Pet Insurance won’t cover. Exclusions include but are not limited to:
- Pre-existing conditions*
- Non-FDA treatments or supplements
- Pet diet products
- Day care / boarding
The waiting period is 14 days, beginning the effective start date of your policy.
The annual coverage limits are flexible and customizable, with 5 annual limits to choose from: $5,000, $10,000, $15,000, $20,000, and unlimited. The higher the limit the more expensive, the premium.
Reimbursement and Deductibles
The reimbursements and deductibles are very flexible. You get a choice of 3 reimbursements: 70%, 80%, 90%. You get a choice of 3 annual deductibles: $100, $250, and $500. You must pay the annual deductible out of your own pocket before being able to start claiming back reimbursements.
Claims and Service
The claims process is super easy. For starters, you can easily submit a claim online and check the status through your account. You get 270 days from the date of treatment to submit a claim. The best thing about this service is you can visit any licensed vet in the US, including specialists and emergency care clinics. Spot Pet pays claims by direct deposit or check.
What You Might Like Best
Spot Pet Insurance offers a greater degree of customization than other companies, but what we like best is the free expert tips. Spot Pet has teamed up with renowned dog behavior expert Cesar Millan to produce exclusive content on caring for your dog. This feature, combined with the preventive care add-on (something most pet insurance providers don’t offer) proves Spot Pet goes above and beyond for its users.
What Spot Pet Insurance Could Do Better
It’s hard to find a weak spot, but if we could pick something it would be that Spot doesn’t provide coverage for exotic animals.
Contact Details and Address
Spot Pet Insurance is headquartered in West Palm Beach, Florida. Customer support staff can be reached Monday to Friday, 8am – 9pm and Saturday 9am – 5pm ET.
How Spot Pet Insurance Compares:
Pet insurance is a fast-growing industry, and it’s clear Spot Pet Insurance is aiming to fill in gaps that some of the older market players have missed. For example, it is one of the only pet insurance providers to offer a preventive care add-on and also one of the few to offer free microchip plantation as part of its service. Spot Pet Insurance is one of the best options for pet parents looking for an all-inclusive service.
Spot Pet Insurance Terms & Conditions:
*Pre-existing conditions are not covered; see the full list of Pre-existing conditions.