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%. 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 is covered 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 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 periods or deductibles for any of the covered benefits. The plan has a maximum annual amount for each benefit. If you exceed the amount, SPOT won't reimburse you.
Spot has a low deductible
Spot customers may choose policies with a $2,500-$10,000 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 claims, they will need to obtain the medical records of their pets. Customers will get an email response once they have filed a claim. You can also check the status through our personalized claims portal.
Spot's pet policy covers medical care, diagnosis tests, and treatments of major and minor ailments. It also covers accidental injuries, hospitalization, surgery, and medical supplies. Unlike some other insurance policies, Spot covers dental cleanings. Spot reimburses 80% and has a low-deductible.
Spot's prices for young pets tend to be higher than average
Spot offers two types insurance plans for pets: Preventive care and Accidents and Illness. Both policies cover hospitalizations, surgeries, and prescription medication. Spot also covers vet fees for accidents and illness. Multiple pets can be insured at a discounted rate by the insurance company.
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's App or online claims are accepted. Veterinary records must be submitted within 270 days.
Spot's coverage is not based on pre-existing conditions
Unlike most pet insurance plans, Spot's coverage does not exclude pre-existing conditions. Some health conditions are not covered by the policy. For instance, dental disease, hip dysplasia, intervertebral disk disease, and other hereditary conditions aren't covered. The insurance does not cover dental or orthodontic procedures, nor expenses associated with boarding and daycare. Cosmetic procedures and bilateral conditions are not covered by the insurance.
One downside to Spot's pre-existing condition policy is that it will not cover veterinary treatment for arthritis. The insurance company defines a "pre-existing" condition as any medical condition that existed before Spot's plan was issued. 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.