It can be costly to cover your pet's medical bills if they have a medical condition. Pets Best can assist. Their coverage is 100%. They have a small deductible and do not discriminate against people with pre-existing health conditions. They pay within 2 days of receiving your claim and mail a paper check.
Spot's coverage is 100%
Spot's Pet Insurance is designed keeping your pet’s behavior, age, breed, and size in mind. This insurance can help you save money on vet bills and prepare for unexpected situations. Spot has several plans available and offers a 10% discount on additional pets.
Spot coverage covers preventive care, as well as emergency expenses like flea and tick prevention and deworming. Each benefit is covered without a deductible or waiting period. The plan has a maximum annual amount for each benefit. SPOT will not reimburse if your claim exceeds the limit.
Spot's minimum deductible is very low
Spot customers may choose policies with a $2,500-$10,000 deductible. You can also choose an annual deductible that is either low or unlimited. They can submit claims online via Spot's website or app. To process a claims, they will need to obtain the medical records of their pets. Customers will receive an answer via email after they submit a claim. A personalized claims portal allows customers to view the status of 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 also covers dental cleanings, which is a benefit that is not available with other insurance policies. Spot reimburses 80% and has a low-deductible.
Spot's prices are higher than the norm for young pets
Spot offers two types of pet insurance plans: Accidents and Illness and Preventive Care. Both include hospitalization, surgery and prescription medications. Spot also pays for vet bills incurred due to accidents or illnesses. Spot insurance 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. Online or through Spot's mobile app, claims can be submitted. All veterinary records must be received within 270 days.
Spot does not cover pre-existing conditions
Spot does not cover pre-existing conditions like other pet insurance plans. Some health conditions are not covered by 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 policy on pre-existing conditions does not cover arthritis treatment. The insurance company defines a "pre-existing" condition as any medical condition that existed before Spot's plan was issued. The insurance company will not pay for treatment of arthritis unless the condition is already cured. While this policy doesn't have an age limit or a deductible, customers must still pay at least $2,500 for any vet costs.