Compare Spot to Other Pet Insurance Companies
Although Spot locations amongst our prime really useful pet insurance coverage suppliers, we perceive the worth in evaluating plans and pricing of a number of corporations. Use the desk under to check Spot’s month-to-month prices, annual limits and extra to our different prime six suppliers.
Our Take on Spot Pet Insurance
Spot scored a 4.45 out of 5 in our evaluation due to its versatile vary of insurance policies, affordability and customer support. It’s our prime choose for customizable protection, providing six annual protection restrict choices and 5 deductibles. With so many deductibles and protection limits, budget-conscious pet mother and father can tweak their pet’s protection to decrease premiums.
The firm additionally stands out for its complete accident and sickness protection, together with some advantages that rivals usually exclude. For instance, Spot covers microchipping and various therapies like acupuncture. These advantages are sometimes supplied as paid add-ons by different pet insurance coverage suppliers.
Pros and Cons of Spot Pet Insurance
Benefits of Spot
+ Provides an infinite annual protection choice for individuals who don’t need restricted most payouts
+ Doesn’t have an age restrict for older animals, in contrast to some rivals making it a prime choice for senior canine insurance coverage wants
+ Includes protection for microchip implantation and examination charges in commonplace insurance policies, which aren’t usually coated by different pet insurance coverage suppliers
Cons of Spot
– Has a ready interval of 14 days for accidents, which is longer than some rivals
– Doesn’t provide customer support availability on weekends
Spot’s Plans and Coverage
Accident-only plan: This is Spot’s least costly pet insurance coverage plan. It covers accidents equivalent to accidents, swallowed objects and poisonous ingestions. It’s supreme for these on a funds who need emergency protection and aren’t anxious about overlaying sicknesses or different situations.
Accident and sickness plan: This plan covers the accidents within the Accident-only plan and normal sicknesses, behavioral points, dental illness, hip dysplasia, coronary heart illness, most cancers, diabetes and extra. As probably the most complete choice, it prices greater than the Accident-only plan. It’s supreme for individuals who need full protection if their pet experiences an accident or sickness.
Gold preventative plan: If you need to assist pay on your pet’s routine care and preserve it wholesome all year long, you should buy one in all Spot’s preventative care plans. The Gold plan prices $9.95 additional month-to-month and comes with $250 yearly pre-treatment limits. Below is a listing of every coated vet service and its annual profit included within the plan:
Platinum preventative plan: You should purchase Spot’s dearer wellness plan for a further $24.95 monthly for $450 of whole per-item limits per 12 months. It consists of the next remedies:
Spot’s Exclusions
Spot excludes pre-existing situations that your pet has earlier than the tip of the 14-day ready interval. These are outlined within the coverage as an, “illness, disease, injury or change to your pet’s health that first occurs or shows symptoms before coverage is effective or during a waiting period. This includes conditions that are related to, secondary or resultant from a pre-existing condition.”
Other exclusions embody anal gland expression, aesthetic or beauty procedures, any elective procedures, boarding, breeding, being pregnant, whelping, natural merchandise and organ transplants.
For a full listing of protection, exclusions and coverage limitations, overview Spot’s pattern pet insurance coverage coverage.
Plan Customizations
Spot stands out for having probably the most customizable plan choices in contrast with the opposite corporations we reviewed. In addition to its two commonplace plan choices, it affords the next decisions for customizing your premium:
- Deductibles: $100, $250, $500, $750 and $1,000
- Annual limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000 and limitless
- Reimbursement charges: 70%, 80% and 90%
Note: These choices are primarily based on the handfuls of quotes we acquired throughout our analysis.
Spot’s Pet Insurance Cost
You should purchase the Accident-Only coverage for the most cost effective pet insurance coverage premiums from Spot. Prices for that coverage don’t fluctuate relying in your pet’s age or breed, so it might be supreme when you have a very unhealthy breed or an older animal.
Standard costs for accident and sickness plans will fluctuate relying in your pet’s info. Here are some costs from pattern quotes we acquired for numerous pets in Columbia, S.C., for a coverage with $5,000 of annual protection, a $250 annual deductible and an 80% reimbursement charge:
Spot Discounts
Spot supplies a ten% multi-pet low cost, decreasing premiums whenever you enroll a couple of pet in your coverage. It additionally affords 10% off premiums for workers who enroll in a Spot coverage by way of a office advantages program. Likewise, Spot affords 10% reductions to members of some associations. You can contact your employer or affiliation to see your eligibility for a Spot coverage or low cost.
Spot Pet Insurance Reviews
Spot has an A score and accreditation from the Better Business Bureau (BBB), and it has a positive proportion of constructive opinions on Trustpilot.
While many Spot clients rave concerning the firm’s informative customer support, simple coverage administration and quick claims, there are some dissatisfied clients who point out lengthy wait occasions for claims processing and denied claims for unclear causes.
We reached out to Spot concerning the unfavourable opinions and acquired the next remark in response:
“When Spot hears of a unfavourable buyer expertise, we collect as a lot info as we are able to to deal with the difficulty promptly and particularly. If we see a buyer has waited for a protracted time frame to come up with somebody, we ask a rep to achieve out as shortly as doable.
If a buyer is dissatisfied with a claims expertise, we encourage the client to name us for an in depth clarification of the outcomes and focus on what we would do to resolve the difficulty or keep away from confusion sooner or later. We at all times try to diffuse the state of affairs and switch a grievance into a very good expertise.”
Here are some examples of Spot Pet Insurance opinions on Trustpilot:
“My claim was processed so quickly. I uploaded the info from my cat’s medical visit on Sunday. I received an email Monday that it was being processed and the money was reimbursed via direct deposit by Tuesday. No hassle and simple instructions.” — Shaneaka R.
“It’s been almost two months since my last claim on [preventative care], and still, they say they require more information. My pup had been on their policy since she was 12 weeks old. They already have every medical piece of info but still are taking time to pay reimbursement.” — Cady R.
“I recently changed my insurance to Spot. … We just had an awful summer with both dogs either injured or sick from one thing or another. Seven claims in six weeks and every one of them was paid to the amount expected. Even with the backlog, it was still within two weeks.” — Paula B.
“Shortly after starting [my Spot policy], my dog was stung by a bee (I didn’t know why she wouldn’t walk on her hind leg), and I took her to the vet. This should be considered an accident, not [a pre-existing condition]. I have not gotten anything back from this insurance [company], and it’s been over a month since I made the claim.” — Cindy H.
The Bottom Line: Spot Pet Insurance
Spot is a superb selection for pet mother and father in search of an reasonably priced coverage that may be custom-made to their wants, whether or not they want limitless annual protection or an accident-only plan with basic protection. Get a free quote from Spot and customise your coverage to suit your wants by utilizing this on-line quote instrument.
If you’re in search of a shorter ready interval for accidents, Lemonade is perhaps a greater match. Additionally, Healthy Paws might be a very good various for these in search of an organization with extra years of expertise within the business. We finally advocate getting quotes from a number of pet insurance coverage suppliers to check plan pricing in your space.