Spot Pet Insurance Review

If you’re looking for a pet insurance provider that’s reputable and well-liked by pet experts, you need to consider Spot Pet Insurance. The only pet insurance recommended by Cesar Millan, the famed Dog Whisperer, this pet insurance provider offers plenty of benefits both for your furry friends and your finances. A Spot pet policy can help you provide proper healthcare for your pets, make veterinary bills more affordable, and save you from spending significantly if your pet becomes ill or injured.

Spot Pet Insurance offers policies that cover all kinds of pet needs and care. With Spot, you can secure accident & illness coverage for your cat or dog. If you’d like, you can opt into preventative coverage for an additional cost, which will help offset the costs of dental cleanings, vaccinations, and all of your cat or dog’s regular care. Above all else, Spot Pet Insurance covers vet bills for whatever your pet might need.

Types of Insurance Available: Spot Pet Insurance allows for customization, which means you can build a plan and policy that work for you.

Animals Covered: Coverage is available for both dogs and cats of all sizes and ages. Many common breeds like chihuahua, bulldog, golden retriever, beagle, munchkin, and ragdoll are all eligible for coverage. Check with Spot to see if your pet’s specific breed qualifies.

Great For: Cat and dog owners who want to be financially protected in case their pet comes down with an unexpected illness or injury.



How Spot Pet Insurance Policies Work

Spot Pet Insurance provides a variety of different coverage options and insurance policies for cats and dogs. The details of your pet insurance policy can vary. You’re able to pick and choose different factors like your reimbursement percentage, deductible and annual coverage limit, and whether or not preventative care is included.

The two most common types of insurance offered by Spot are accident only plans and accident & illness. Under accident only plans, your pet is only covered if they are unexpectedly injured or ill. Under accident & illness plans, preventative care like regular checkups and vaccinations are covered in addition to accidents.

No matter which type of plan you choose, Spot offers reimbursement for a set amount of money. You can choose a reimbursement percentage of 70, 80, or 90 percent. This means you’ll receive either 70, 80, or 90 percent of your covered expenses back. You’ll only be reimbursed for covered services though.

Here’s what you can expect for dogs and cats as provided on the Spot website


Policy Costs

All Spot Pet Insurance policies come with a few different costs. Like human health insurance, pet insurance will include a monthly or annual premium cost, a deductible, and a reimbursement percentage.

Your premium is the price you’ll pay for your pet’s Spot policy. The premium cost can vary significantly. It depends on several different factors, including your pet’s breed, age, and location.

Remember, the type of policy you choose along with any additional coverage will also affect your premium. If you opt into preventative care, for example, your monthly premium can increase.

Learn more from Spot in order to get a more concrete idea of how much a policy will cost for your cat or dog.

Filing a Claim

When your pet actually needs care, it’s important to understand how Spot Pet Insurance plans will reimburse your costs. Unlike many human health insurance plans, pet insurance requires you to pay for the care or services up front. You’ll then need to submit a claim for reimbursement.

To file a claim with Spot, you’ll need to get a receipt or invoice from your veterinarian. Then, you can use the Spot Pet Insurance mobile app to fill out a claim and upload your documentation. Within 7-14 days, you’ll get a response from the insurer.

You’re able to submit claims for any pet expenses or care within 270 days from the date of treatment. Visits to any licensed vet within the U.S. are eligible for reimbursement, including appointments at emergency care clinics and specialists.

Once your claim is approved, Spot will pay you for all qualified expenses via an online personalized claims portal. You can easily track the progress of all your claims online. Plus, most claims are closed out within just one week.