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Spot Pet Insurance Review
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Spot pet insurance is a relatively new player in the pet insurance market, but it has already made a name for itself with its comprehensive coverage options and generous wellness plan. Here’s a breakdown of what Spot has to offer:
Policy Highlights
- No upper age limit for enrollment
- Generous wellness plan that covers annual exams, nutritional consultations, flea and tick prevention treatments, and more
- Unlimited annual coverage limit option
- Accident-only and accident-and-illness plans available
- Two tiers of wellness add-ons (Gold and Platinum)
Cost
- Accident-and-illness policy for a 1-year-old domestic shorthair cat: $26 per month
- Accident-and-illness policy for a 1-year-old, 55-pound mixed-breed male dog: $56 per month
- Wellness plan (Gold): $9.95 per month
- Wellness plan (Platinum): $24.95 per month
Discounts
- 10% discount for enrolling multiple pets
- $2 surcharge for monthly payments
Coverage Options
- Available in all 50 U.S. states and Washington, D.C.
- Annual coverage limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, or unlimited
- Reimbursement rate: 70%, 80%, or 90%
- Deductible: $100 to $1,000
- Age limits: Pets must be at least eight weeks old, with no upper age limit for enrollment
- Waiting periods: 14 days for accidents and illnesses, 14 days for orthopedic conditions, and one day for wellness plans
Comparison to Other Pet Insurance Providers
- Spot’s accident-and-illness policy is comparable to Pets Best and Lemonade, but its wellness plan is more comprehensive.
- Pumpkin offers higher coverage limits, but its wellness plan is less comprehensive.
- Spot’s rates are higher than Pets Best, but lower than Pumpkin.
Conclusion
Spot pet insurance is a great option for pet owners who want comprehensive coverage for their pets, including exam fees, prescription medications, and wellness care. While it may not be the cheapest option on the market, its unlimited coverage limit and generous wellness plan make it a valuable investment for pet owners.
