What Does Spot Pet Cover?
Spot Pet helps you get your pet covered both for accidents and illness. Preventive care options are available as add-ons. The insurance plans include things such as CT scans, MRI scans, x-rays, prescription medication, surgery, hospitalization, medical supplies, poison control and consultation, treatments for cancer, treatments for behavioral problems, alternative therapy, tooth extraction, microchip implantation, end of life therapy.
Spot Pet Features
Two of the highlights of this service are its flexibility and accessibility. You can customize your insurance by choosing different reimbursement percentages and deductibles. This insurance allows you to get coverage for older pets as well. There is no upper age limit, which is something you rarely encounter in other competitors. This is a fast and professional service you can access online. In case you need support, there is a 24/7 helpline available.
Spot Pet Pricing Plans
Spot Pet’s insurance prices are determined based on factors such as the pet’s breed and your location. The basic accidental and illness coverage includes expenses incurred for surgery, hospitalization, x-rays, poison consultation, behavioral therapy, and microchip implants. There is also an accident-only plan that will cover your costs if the pet gets injured. Microchip implantation is also included in this plan.
Wellness and Preventive Care Add-Ons
These add-ons come in two versions, Gold and Platinum. The first plan offers reimbursement for up to $250 per year for a wide range of expenses, including wellness exams, vaccines, dental cleaning services, fecal tests, and deworming. The Platinum coverage extends to up to $450. The plan includes blood tests, spaying, and neutering, urinalysis, vaccinations, health certificates, flea and heartworm prevention, and dental cleaning. There are payout limits for the expenses each plan covers.
One of the advantages is that you can get pets of any age insured.
The company offers a 30-day money-back guarantee. Each additional pet you insure comes with a 10% discount on your policy. You can get an extra 10% employee discount if your company partners with Spot Pet.
Spot Pet Waiting Period
To get reimbursed for illness-related medical expenses, you will have to wait for 14 days. For accident expenses, the waiting time is up to two days. For ligament problems, the waiting period is six months.
Reimbursement and Deductibles
This company offers a minimum coverage of $2,500. There is no maximum limit, and there are several coverage caps in between, including $4,000, $5,000, $7,000, and $10,000. The reimbursement options are flexible; you get the standard rates found in most pet insurance companies: 70%, 80%, and 90%.
The deductibles for the accident and illness basic plans can vary between $100 and $1,000.
Claims Process
This company offers a seamless claim and reimbursement procedure via its app. You don’t need any prior approval before visiting the vet. You have time to submit your claim up to 270 days after you’ve incurred the expenses you want to get reimbursed for.
Why You Should Choose Spot Pet
You should consider this company if your pet is old as it applies no age limy. If you’re looking for policy flexibility and extra options such as preventive care, Spot Pet is a good choice.
Contact Details and Physical Address
You can contact this company at any time at 1-800-905-1595 or send an email to service@customer.spotpetins.com.
Address:
303 Banyan Blvd Suite 101,
West Palm Beach, FL 33401
Why We Chose Spot
We chose this insurance company for its fast and professional service, good customer support, and a wide array of insurance options that come with no maximum limit in terms of coverage and pet age.
What Is Missing
Some of the expenses the company doesn’t cover include dental services such as fillings, crowns, caps, implants, anal sac resection, breeding and pregnancy care, cosmetic procedures, grooming services or supplies, experimental and investigational treatment, pre-existing conditions that occurred before the policy came into effect, supplements and vitamins prescribed for prevention.
Disclaimer
The information on this website is provided for the sole purpose of helping you make an informed decision when selecting a pet insurance company. Our team of experts thoroughly analyzes each brand in order to provide our readers with up-to-date and accurate information. However, the pricing plans and other insurance details mentioned in our reviews are subject to change as each company might update its offer. The information on our website does not constitute legal advice and should not be treated as such.
