Spot Pet Insurance Coverage Review /spot-pet-insurance-coverage-review/

Spot Pet Insurance is a fast-growing insurance policy provider for dogs and cats. They offer flexible policies that allow pet owners to choose among a standard plan covering accidents to illnesses, an accident-only plan, or a preventive care plan. Pet owners can also choose their annual payout cap, deductible, and reimbursement rate.

Spot’s Coverage

A Spot Pet Insurance policy will cover accidents, injuries, and illnesses as well as diagnostics, like MRIs and X-rays, and emergency treatments. A Spot policy will also cover medication, behavioral treatments from a vet, and prescription food. Chronic and hereditary conditions are also included in the policy coverage. You can also expect alternative therapies to be covered if they are the recommended treatment for your pet’s condition.

Plans and Prices

The cost of your Spot Pet Insurance policy will vary depending on your pet’s breed and age, the deductible, the reimbursement rate, and the annual policy limit. We demonstrate below how prices can change for different pets.

For dogs:

For cats:

Pet owners with multiple pets at home can take advantage of the 10% discount applied to each additional pet you enroll in a policy.

Policy Waiting Periods

A Spot Pet Insurance Policy activates upon the 14th day of purchase. There is a 30-day guarantee which offers reimbursements within one month of submitting a claim.

Items Not Covered

Pre-existing conditions are not covered by Spot Pet Insurance even if the condition is curable. Furthermore, they do not include routine care such as annual physical exams or teeth cleaning. You would need the preventive care plan which can be purchased as an add-on. If you get an accident-only plan, only those expenses that are the direct result of the accident will be covered.

Deductibles, Reimbursement Rates, and Annual Limits

Pet owners can choose from $100 to $1,000 deductibles per year for their plan. The minimum annual payout limit is $2,500 and the maximum is unlimited payout. There are three reimbursement rates offered – 70, 80, or 90 percent.

Services and Filing Claims

You don’t need to get approval from Spot Pet Insurance before you visit your pet’s veterinarian or an emergency clinic. After the treatment or exam, you just need to submit a reimbursement claim through the online portal or the Spot mobile app. You can file a claim 270 days after the treatment at the latest.

To submit a claim, provide Spot with a copy of your invoice. They may also require a follow-up with owners or vets in some cases if they need complete medical records or more information regarding the treatment. There is no estimate on how long it would take to payout a claim but you can get updates on the status of a claim via your account.

You can reach Spot’s customer support if you need help submitting a claim either through email or phone. They are available Mondays to Fridays, 8 AM to 8 PM ET.

Final Thoughts

The good thing about Spot Pet Insurance is the customizability of its insurance plans. They also cover accidents, injuries, and illnesses once the 14-day waiting period has passed. There is no need to request approval to visit a vet or clinic even for emergencies. As long as your pet receives treatment from a licensed veterinarian or clinic in the United States, Spot Pet Insurance will reimburse your claim. However, preventative care is not part of the standard plan and must be purchased for an extra cost.