It can be costly to cover your pet's medical bills if they have a medical condition. Pets Best is here for you. Their coverage is 100 percent. Their deductible is low and they don’t discriminate against pre-existing medical conditions. They will send you a check by mail and pay within two business days.
Spot's coverage is 100%
Spot’s pet insurance considers your pet’s age, breed and size. It can help prevent unexpected vet bills and make it easier to prepare for emergency situations. Spot offers many plans, and 10% off for additional pets if you aren't sure if pet insurance is right.
Spot's coverage also covers routine preventive and accident-related costs, such as deworming, vaccinations, and flea/tick prevention. There are no deductibles or waiting periods for each covered benefit. However, there are set annual amounts for each benefit allowed by the plan. SPOT will not reimburse you if you exceed this amount.
Spot's deductible is low
Spot customers can choose from policies with a $2,500 to $10,000 deductible. They can also select an annual deductible that is low or unlimited. They can file claims online or through Spot's app. To process a claim, they will need to have the pet's medical records. Customers will receive an answer via email after they submit a claim. Through a personalized claims portal, customers can check on the status and track their claim.
Spot's pet insurance covers veterinary care, diagnostic tests, and treatments for major and minor illnesses. It also covers hospitalizations, surgeries, and supplies for medical emergencies. Spot insurance covers dental cleanings. Spot has a low deductible and reimburses 80% of all expenses.
Spot's prices for young pets tend to be higher than average
Spot provides two types of pet insurance plans, Preventive Care or Accidents and Injuries. Both cover hospitalization, surgery, and prescription medications. Spot also pays for vet bills incurred due to accidents or illnesses. Spot insurance offers discounts for multiple pets.
The prices for policies vary from $2,500 to $10,000. You have the option of choosing unlimited coverage, or an annual deductible depending on which plan is chosen. Spot allows you to submit claims online or via Spot’s app. The veterinary records should be submitted within 270 calendar days.
Spot's coverage does not depend on pre-existing conditions
Unlike most pet insurance plans, Spot's coverage does not exclude pre-existing conditions. The policy does not cover certain health conditions. However, the policy does not cover intervertebral dislocation, dental disease, or hip dysplasia. Additional exclusions include orthodontic and dental procedures, as well as expenses for daycare and boarding. The insurance policy does not cover cosmetic procedures, bilateral conditions, or any other treatment.
Spot's preexisting condition policy does not cover treatment for arthritis. A pre-existing condition is any condition that existed prior to the plan being issued by Spot. Unless the arthritis is already treated, the insurance company won't pay for it. The policy does not have a maximum age, but customers will need to pay a minimum $2,500 deductible in order to cover vet bills.