It can be costly to cover your pet's medical bills if they have a medical condition. Pets Best can help. They offer 100% coverage. They have a small deductible and do not discriminate against people with pre-existing health conditions. They pay within two days of processing your claim and mail you a paper check.
Spot's coverage is 100%
Spot's pet insurance is designed with your pet's age, breed, size, and behavior in mind. It can help you avoid unexpected vet bills and better prepare for emergencies. Spot offers many plans, and 10% off for additional pets if you aren't sure if pet insurance is right.
Spot's coverage includes routine preventive care and accident-related expenses, such as vaccinations, deworming, and flea and tick prevention. There are no waiting or deductibles. Each benefit is subject to a set amount per year. SPOT will not reimburse if your claim exceeds the limit.
Spot's minimum deductible is very low
Spot customers have the option of policies that range from $2,500 to $10,000 in deductible. They have the option of choosing a low or high annual deductible. They can make claims online, or via Spot’s mobile app. To process a claim, they will need to have the pet's medical records. Customers will receive an email reply after filing a claim. A personalized claims portal allows customers to view the status of their claim.
Spot pet insurance covers medical expenses, diagnostic tests and treatment for major and minor diseases. It also covers accidental injuries, hospitalization, surgery, and medical supplies. Spot is covered for dental cleanings unlike other insurance policies. Spot has a low deductible and reimburses 80% of all expenses.
Spot's prices for young pets tend to be higher than average
Spot offers two types pet insurance plans: Preventive Care and Accidents and Illness. 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. Depending on the plan, you have the option to choose unlimited coverage or an annually deductible. Spot allows you to submit claims online or via Spot’s app. Within 270 days, veterinary records must reach Spot.
Spot does not cover pre-existing conditions
Spot does not cover pre-existing conditions like other pet insurance plans. However, some health conditions are excluded from the policy. 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. Also, the insurance does not cover bilateral conditions or cosmetic procedures.
Spot's preexisting illness policy does not include coverage for veterinary treatment of arthritis. The company defines a pre-existing condition as any medical condition that existed before the plan was issued. 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.