As a pet owner who might be interested in purchasing pet insurance, you have likely already discovered that making this decision can be both tough and confusing.
In addition to there being many providers, there are also a plethora of options for coverage and customization where your plan is concerned.
And so, if you are wise, you will get in a significant amount of research before firmly choosing which pet insurance company to go with and what plan is best suited for your pet.
When considering what type of pet insurance is best, you definitely want to look into the reputation of all the pet insurance providers you are interested in.
You will also want to research the different types of coverage that they offer (and what is included as part of their coverage), whether they provide accident and illness options, whether they provide reimbursement (and if so, at what percentage), and what customization options they provide.
After you answer these questions, if you arrive at Spot as your answer for best pet insurance, then this is your chance to find out other reasons why this makes total sense.
Best for Unlimited Benefits
You will soon discover that one of the reasons Spot is among the best choices for pet insurance is because this company offers unlimited annual benefits, customizable deductibles that fit your finances, and clarity where reimbursement percentages are concerned.
Along with these insurance benefits, Spot also provides coverage for hereditary, congenital, and chronic conditions – something that is not always common with other pet insurance providers.
In addition to these obvious and important benefits, Spot does not have an upper age limit, and there is no lifetime limit on its plan payouts.
Pet Insurance Benefits
While doing research on Spot, you will find that it has a variety of benefits – some of which we will detail below.
First, at Spot, clients will have the option to purchase unlimited annual benefits. Unlike other pet insurance companies, Spot does not place caps on annual benefit payouts.
Instead, they offer a series of options that range from the lowest amount of $2,500 to an unlimited amount of annual benefits.
Given that this range is offered, you can then go ahead and pick the amount that best serves your pet’s needs and fits your budget.
Second, while most pet insurers place restrictions on how old a client’s pet can be to qualify for an insurance policy, Spot does not.
For some companies, the age limit can be as low as ten years – which is still a significant amount of time passing before your pet can qualify.
Thankfully, Spot allows clients to get full accident and illness coverage regardless of their pet’s age.
Third, while some insurers will have you waiting a fair period of time (as much as six months) to seek care for accidents and illnesses after you initially enroll, Spot’s waiting period is only a short period of 14 days.
Fourth, Spot is always there for you – specifically in the form of a 24/7 telehealth helpline.
Unlike some other pet insurance companies, Spot grants all their clients 24/7 access to a veterinarian helpline to discuss issues such as medication, side effects of any medication provided, emergency treatment, and additional details regarding your pet’s condition.
Things to Keep in Mind
As you inquire about pet insurance policies, there are a few things we encourage you to keep in mind.
First, as you request quotes for your pet’s insurance plan, keep a watch on how much premiums run and whether they are higher than the average in the insurance industry.
Second, while not all insurance companies have bilateral exclusion clauses (when a pet has been diagnosed with a health issue and it is connected to an issue in the future) – companies such as Spot do.
Finally, keep a watch on any additional transaction fees that are in play, whether you pay your premium monthly, quarterly, or semi-annually.
Insurance Plans for Cats and Dogs
When you are looking for accident and illness plans for your dogs and cats, there are a few things to consider.
In the case of accident and illness plans, Spot provides clients with coverage for a number of occurrences, including consultation fees, hospitalizations, surgeries, X-rays, poison control, and microchip implantation.
These plans range in deductibles ($100 to $1,000) and offer a series of reimbursement options (that range from 70%, 80%, or 90%).
In the case of accident-only plans, these plans only cover treatments for issues such as broken limbs, fractured teeth, toxic ingestion, microchip implantation, and unexpected injuries.
Unfortunately, these plans do not cover treatments for illnesses, as in the case of cancer or influenza. These plans range in deductibles ($100 to $1,000) and offer a series of reimbursement options (that range from 70%, 80%, or 90%).
Where wellness is concerned, Spot offers two preventative care plans – gold and platinum – both of which can be added to its existing insurance policies.
That said, these plans cannot be purchased separately from existing plans. In the case of the gold preventative care plan, it provides clients with up to $250 in annual reimbursement and covers issues such as dental cleanings and vaccines.
The platinum option, however, provides clients with up to $450 in annual reimbursement and covers issues such as neutering and bordetella vaccines.
Tools for Pet Insurance
In addition to the insurance plan itself, many insurance companies also provide educational tools on their websites.
At Spot, clients can make use of the company’s informational blog, which features an online FAQ, a quote tool, and content on pet health and safety.
Whether using your computer or an Android and iOS device, clients can easily access the company’s tools, submit a claim or contact a veterinarian.