Pet insurance can make it very costly to pay for a pet's medical bills. Pets Best is here to help. Their coverage is 100 percent. They have a small deductible and do not discriminate against people with pre-existing health conditions. They will pay your claim within two days and send you a paper check.
Spot's coverage is 100%
Spot's pet policy is tailored to your pet's specific age, breed, size and behavior. It can help avoid costly vet bills and allow you to be prepared for an emergency. Spot has several plans available and offers a 10% discount on additional pets.
Spot insurance covers routine preventative care and incident-related expenses. This includes vaccinations, deworming and flea prevention. There are no waiting or deductibles. However, each benefit has an annual limit. If you exceed the amount, SPOT won't reimburse you.
Spot's deductible cost is low
Spot customers have the option of policies that range from $2,500 to $10,000 in deductible. You can also choose an annual deductible that is either low or unlimited. They can make claims online, or via Spot’s mobile app. They will need the medical records of their pets to process a claim. Customers will receive an email response after submitting a claim. Through a personalized claims portal, customers can check on the status and track their claim.
Spot pet insurance covers medical expenses, diagnostic tests and treatment for major and minor diseases. It also covers accidental injury, hospitalization, surgical, and medical supplies. Spot, unlike other insurance policies covers dental cleanings. Spot has a low deductible and reimburses 80% of all expenses.
Spots are priced higher than the norm in young pets
Spot offers two types insurance plans for pets: Preventive care and Accidents and Illness. Both covers hospitalization, prescription medications, and surgery. Spot reimburses veterinarian fees for injuries and illnesses. The insurance company offers discounts for multiple pets.
Prices for policies start at $2,500 and go up to $10,000. You can choose between unlimited coverage and an annual deductible, depending on the plan that you select. Claims are submitted online or via Spot's app. Veterinary records must be submitted within 270 days.
Spot does not cover pre-existing conditions
Spot does not cover pre-existing conditions like other pet insurance plans. The policy does not cover certain health conditions. Dental disease, intervertebral and other hereditary disorders are excluded from the policy. 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.
Spot's preexisting illness policy does not include coverage for veterinary treatment of arthritis. Any medical condition that was present before the plan was issued is considered a pre-existing. The insurance company will not pay for treatment of arthritis unless the condition is already cured. There is no age limit on this policy, but customers must pay a $2,500 deductible to cover vet costs.