Spot pet insurance review 2023 – CBS NewsSpot pet insurance review 2023 – CBS News

Female vet examining dog
Place pet insurance coverage places no age limits on older pets, but plans have a 14-day waiting period for coverage. Getty Images

Most pet owners would do almost anything to keep their dog or cat safe from harm or accident. Unfortunately, our pocketbooks often place limitations on our own best intentions.

That’s where pet insurance can lend a helping hand by covering at least a portion of your pet’s medical bills if your animal suffers an unfortunate injury or even illness. As a result, you could save substantial money on veterinary care.

Spot Pet Insurance is a popular provider that you might consider with regard to your dog. This family pet insurance review will highlight the company’s policies, costs, benefits , downsides and other essential pet insurance policy information to help you determine in case their coverage makes sense regarding you.

If you’re considering pet insurance then start simply by getting a free quote from Spot in 30 seconds .  

Spot pet insurance plan overview

Although Place Pet Insurance launched within 2019, its pet insurance policies are underwritten by the United States Fire Insurance coverage Company, a 100-year-old insurer established in 1822. Policies are issued by the parent company, Crum plus Forster Insurance Agency.

Both the United States Fire Insurance Company and Crum plus Forster Insurance policy Group earned A (Excellent) grades through the credit rating agency AM Best. The rating indicates the company is upon stable footing and able to meet its financial obligations.

Spot Dog Insurance provides two plans: accident-only and accident plus illness coverage for dogs and cats . The particular insurer may also cover eligible bills related to hereditary conditions and chronic and behavioral health issues. Spot’s website notes they do not provide pre-existing condition   protection for hereditary conditions.

Here is a list of some of the eligible problems Spot may cover:

  • Bites
  • Cuts
  • Broken bones
  • Vet visits for thyroid diseases, digestive problems, and other illnesses
  • Heart disease
  • Eye disorders
  • Hip dysplasia
  • Anxiety
  • Aggression
  • Acupuncture
  • Chiropractic treatment

Spot can help you insure your four-legged friend from head in order to paw. Start by getting  a free quote online   now so you know exactly what to expect.  

How much does Spot dog insurance cost?

The price of Spot family pet insurance varies depending on your own coverage. The particular pet insurance provider offers customizable coverage options that allow you to choose your deductible , annual limit and reimbursement   rate within order in order to fine-tune the particular best insurance coverage for your own budget. According to Place, you can get accident-only coverage with premiums that will start in $17 per month.

Spot also offers two add-on packages that cover preventative health care intended for your pet. For $9. 95 per month, the Gold package covers various services including dental cleanings, wellness plans and heartworm tests. For $24. 95, the Platinum plan offers the particular same insurance plus additional services like blood assessments, urinalysis plus deworming.

Here’s a pet insurance comparison between Place, Odie and HealthyPaws to see how Spot pet insurance coverage stacks up against the competition





$92. 21

$26. 00 for each month

$48. 42

Annual insurance deductible options

$100 to $1, 000

$50 in order to $1, 500

$250, $500, $750, $1, 000

Reimbursement percentage

70%, 80%, 90%

70%, 80%, 90%

50%, 60, 70%, 80%

Coverage amounts

$2, 500 to unlimited

$5, 000, $10, 000, $40, 000

No maximum limits

*Quotes are for a 5-year-old mixed dog, medium weight, in good health in Boulder, Colorado. Coverage options include a $500 deductible, an 80 percent reimbursement portion and the maximum coverage amount to get each provider.

As you can see from this table, Spot’s maximum reimbursement matches that will of Odie’s at 90% while offering unlimited protection amounts. Perhaps that’s why their own monthly premium is higher than these two competitors.

If you don’t need unlimited insurance coverage, you can drop your Spot premiums considerably by opting for the lower insurance amount. In our example, you could lower your own rate in order to $45. 70 each month simply by choosing a $5, 000 coverage amount.

Keep in mind, dog insurance costs can vary widely by breed, age, protection option, supplier and other factors .

It’s easy to get a quote from Place pet insurance policy for your dog or cat. Reach out today to get started .  

Pros and cons associated with Spot family pet insurance

Carefully consider the advantages and disadvantages of insurance plan products before deciding whether or not to buy pet insurance . The pros and cons of Spot pet insurance are as follows:

Place pet insurance pros

  • Simply no age restrict for old pets
  • Unlimited coverage option and simply no incident or lifetime caps
  • 30-day money-back guarantee (conditions apply)
  • 10% multi-pet discount

Spot pet insurance coverage cons

  • No pre-existing situation coverage
  • Plans possess a 14-day waiting period for insurance coverage

Unique advantages of Place pet insurance policy

Spot’s pet insurance plans are very flexible compared in order to the some other players in the space, allowing you to customize your coverage to meet your budget. When getting an online quote , a person can see your premium change as you choose from a wide array of deductible quantities, reimbursement percentages and insurance limits.

If you strategy on spending more than $450 on precautionary care for your own furry friend, you might consider the Platinum Preventative Care Option, which carries a $450 total annual benefit. This package covers a broad spectrum associated with services, through dental cleanings and wellbeing exams to urinalysis plus deworming.

Unique drawbacks of this particular provider

Spot doesn’t cover pre-existing conditions, which the organization defines because “any problem, injury, or even illness that your pet has received medical advice or treatment by your licensed veterinarian – prior to the start of your own pet insurance plan policy or during your plan’s waiting around period. ”

However, Spot also states these people don’t consider a condition since pre-existing if your pet receives treatment and is cured and free of treatment plus symptoms pertaining to 180 days.

The bottom line

Spot dog insurance might be worth it if you want a flexible policy a person can customize to fulfill your needs and your spending budget. You may get coverage starting from $9. 95 for basic accident-only insurance or opt for unlimited protection with preventative care add-ons.

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

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