Pet insurance can make it very costly to pay for a pet's medical bills. Pets Best can assist. Their coverage is 100 percent. Their deductibles are small and they don't discriminate on the basis of pre-existing 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 avoid costly vet bills and allow you to be prepared for an emergency. Spot offers many plans, and 10% off for additional pets if you aren't sure if pet insurance is right.
Spot's coverage covers routine preventive care as well as accident-related expenses such deworming, flea and tick prevention, and vaccinations. Each benefit is covered without a deductible or waiting period. However, each benefit has an annual limit. SPOT won't pay you if the amount is exceeded.
Spot's deductible is low
Spot customers are able to choose from policies with a $2,500 up to $10,000 deductible. They have the option of choosing a low or high annual deductible. They can submit claims via Spot’s app or online portal. They will need the medical records of their pets to process a claim. 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 accidental injuries, hospitalization, surgery, and medical supplies. Spot, unlike other insurance policies covers dental cleanings. Spot covers 80% of your expenses and has a low deductible.
Spots are priced higher than the norm in young pets
Spot offers two types of pet insurance plans: Accidents and Illness and Preventive Care. Both covers hospitalization, prescription medications, and surgery. Spot also covers vet fees for accidents and illness. Multiple pets can be insured at a discounted rate by the insurance company.
Policies are priced between $2,500-$10,000. You have the option of choosing unlimited coverage, or an annual deductible depending on which plan is chosen. Spot's App or online claims are accepted. The veterinary records should be submitted within 270 calendar days.
Spot doesn't cover pre-existing medical conditions
Spot's coverage doesn't exclude pre-existing medical conditions, unlike most pet insurance plans. Some medical conditions are exclusions from the policy. The policy doesn't cover dental disease or hip dysplasia as well as intervertebral disk diseases and other hereditary conditions. The insurance does not cover dental or orthodontic procedures, nor expenses associated with boarding and daycare. Insurance does not cover cosmetic treatments or bilateral conditions.
One downside to Spot's pre-existing condition policy is that it will not cover veterinary 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. Although there is no age limit for this policy, customers must pay a deductible at least $2,500 to cover any vet expenses.