Pros
Can enroll pets of any age in a brand new coverage, not like some opponents.
Provides on-line buyer assist by way of reside chat.
Offers seven annual protection restrict choices, starting from $2,500 to limitless.
Cons
Has a ready interval of 14 days for accidents, which is longer than some opponents.
Customer service not available on weekends.
Spot is a superb possibility for pet mother and father who need to create a extra custom-made answer for pet well being care. The firm provides seven annual caps starting from $2,500 to limitless on its accident-only and accident-and-illness protection choices. The Accident-Only Plan supplies protection for emergency accidents similar to damaged bones, chunk wounds and toxin ingestion. In addition, the plan will partially reimburse you for each diagnostic (similar to X-rays and ultrasounds) and remedy procedures associated to your canine or cat’s surprising damage.
Spot’s Accident and Illness Plan is extra complete, together with every thing coated within the Accident-Only Plan together with vet visits, diagnostics, surgical procedures and hospitalizations associated to ailments and situations like diabetes, arthritis, thyroid issues, urinary tract infections and most cancers. This plan additionally reimburses pet house owners for various therapies similar to chiropractic care, hydrotherapy and acupuncture. Unlike Lemonade, Spot additionally contains behavioral points like anxiousness and aggression in its Accident and Illness Plan.
It is essential to notice that, whereas the plan covers hereditary and congenital situations like coronary heart illness, eye problems and hip dysplasia, Spot, like most pet insurance coverage suppliers, won’t pay for any situations recognized earlier than the beginning of your coverage.
Spot has two elective preventive care packages: the Gold Plan and the Platinum Plan. Both cowl wellness-related bills similar to annual vet examination charges, some vaccinations and fecal and heartworm checks. The distinction between the 2 plans is the annual cap on preventive therapies. The Gold Plan, which prices about $10 further per thirty days, has a $250 annual restrict, whereas the Platinum Plan has a $450 cap at a cost of roughly $25 extra per thirty days.
The estimated cost for Spot’s Accident-Only Plan for grownup mixed-breed dogs and cats in Richmond is as follows:
- Dogs: $33.96 per thirty days
- Cats: $19.12 per thirty days
The costs above are primarily based on a $5,000 coverage with a $250 deductible and an 80% reimbursement price.
Get a quote: Visit Spot Pet Insurance’s web site for a free insurance coverage quote in your pet.
To study extra: Spot Pet Insurance overview
