Spot pet insurance review 2023

Most pet owners can do almost anything to keep their dog or cat safe from harm or accidents. Unfortunately, our pocketbooks often limit our best intentions.

right there Pet insurance If your pet suffers an unfortunate injury or illness, you can lend a helping hand by covering at least a portion of your pet’s medical bills. As a result, you can save considerable money on veterinary care.

Spot pet insurance is a popular provider you can consider for your pet. This pet insurance review will highlight company policies, costs, convenienceThe downsides and other essential pet insurance information help you decide if their coverage makes sense for you.

If you’re considering pet insurance get started by getting a free quote from Spot in 30 seconds.

Spot pet insurance overview

Although Spot Pet Insurance launched in 2019, its pet insurance policies are underwritten by the United States Fire Insurance Company, a 100-year-old insurance company founded in 1822. The policies are issued by its parent company Cram & Forster Insurance Agency

United States Fire Insurance Company and Cram & Forster Insurance Group both earned A (Excellent) grades from credit rating agency AM Best. The rating indicates that the company is in a stable position and able to meet its financial obligations.

Spot Pet Insurance offers two plans: accident only and accident and sickness coverage the dog And the cat. Insurers may also cover eligible bills related to hereditary conditions and chronic and behavioral health issues. Spot’s website notes they don’t provide that Preexisting condition Coverage for hereditary conditions.

Here’s a list of some of the eligible issues Spot can cover:

• bites
• to cut
• broken bones
• Veterinarian visits for thyroid disease, digestive problems and other ailments
• heart disease
• eye disease
• Hip dysplasia
• worry
• aggression
• Acupuncture
• Chiropractic care

Spot can help you insure your four-legged friend from head to toe. Get started by getting a free quote online now so you know exactly what to expect

How much does spot pet insurance cost?

Spot pet insurance prices vary depending on your coverage. Pet insurers offer customizable coverage options that let you make your choice exceptAnnual limit and compensation Rate to fine-tune the best coverage for your budget. According to Spot, you can get accident-only coverage with premiums starting at $17 per month.

Spot also offers two add-on packages that cover preventative health care for your pet. For $9.95 per month, the Gold package covers a variety of services, including dental cleanings, wellness plans and heartworm testing. For $24.95, the Platinum plan offers the same coverage and additional services like blood tests, urinalysis and deworming.

A pet insurance comparison between Spot, Odie and HealthyPaws shows how Spot pet insurance stacks up against the competition.

*Citations are for a 5-year-old mixed breed dog, medium weight, in good health in Boulder, Colorado. Coverage options include a $500 deductible, an 80% reimbursement percentage, and maximum coverage amounts for each provider.

As you can see from this table, Spot’s maximum payout matches Odie’s 90% while offering unlimited coverage amounts. Perhaps that’s why their monthly premiums are higher than these two competitors.

If you don’t need unlimited coverage, you can reduce your spot premiums substantially by opting for a lower coverage amount. In our example, you could drop your rate to $45.70 per month by choosing a $5,000 coverage amount.

remember, Pet insurance costs Can vary greatly by breed, age, coverage options, providers and more of other reasons.

Getting a quote for your dog or cat from Spot Pet Insurance is easy. Contact us today to get started.

Advantages and disadvantages of spot pet insurance

Carefully consider the pros and cons of insurance products before deciding whether or not Buy pet insurance. The pros and cons of spot pet insurance are as follows:

Spot pet insurance professionals

• There is no age limit for senior pets
• Unlimited coverage options and no incident or lifetime caps
• 30 day money back guarantee (conditions apply)
• 10% multiple pets discount

Spot pet insurance cons

• No pre-existing condition coverage
• Plans have a 14-day waiting period for coverage

Unique Benefits of Spot Pet Insurance

Spot’s pet insurance plans are more flexible than other players in the space, allowing you to customize your coverage to meet your budget. When getting an online quote, you’ll see your premium change as you choose from a wide array of deductibles, reimbursement percentages, and coverage limits.

If you plan to spend more than $450 on preventative care for your furry friend, you may want to consider the Platinum Preventive Care option, which carries a $450 total annual benefit. This package covers a wide spectrum of services, from dental hygiene and wellness checks to urinalysis and deworming.

Disadvantages unique to this provider

Spot does not cover pre-existing conditions, which the company defines as “any condition, injury or illness for which your pet has received medical advice or treatment from your licensed veterinarian — before your pet insurance policy begins or during the waiting period of your plan. ”

However, Spot also states that they will not consider a condition pre-existing if your pet receives treatment and is treatment and symptom free for 180 days.

Bottom line

spot Pet insurance can be worth it If you want a flexible policy you can customize to meet your needs and your budget. You can get coverage starting at $9.95 for basic accident-only insurance or choose unlimited coverage with preventive care add-ons.

It’s always wise to get quotes from multiple pet insurance providers to ensure you’re getting the best value for your money. Use the table below to compare your options or reach out to Spot today for a free quote