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%. 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 keeping your pet’s behavior, age, breed, and size in mind. 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 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. However, there are set annual amounts for each benefit allowed by the plan. SPOT will not reimburse you if you exceed this amount.
Spot's deductible cost is low
Spot customers have the option of policies that range from $2,500 to $10,000 in deductible. They also have the option to choose a low or unlimited 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 pet insurance covers medical expenses, diagnostic tests and treatment for major and minor diseases. It also covers hospitalizations, surgeries, and supplies for medical emergencies. Spot also covers dental cleanings, which is a benefit that is not available with other insurance policies. The plan reimburses at least 80% of expenses, and the deductible is very low.
Spot's prices are higher than the norm for young pets
Spot offers two types if pet insurance: Preventive and Accidents and Illy. Both cover hospitalization, surgery, and prescription medications. Spot also reimburses vet expenses for illnesses and accidents. The insurance company offers discounts for multiple pets.
The prices for policies vary from $2,500 to $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 submissions are accepted. You must submit your veterinary records 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. The policy does not cover certain health conditions. For instance, dental disease, hip dysplasia, intervertebral disk disease, and other hereditary conditions aren't covered. Exclusions also include expenses related to boarding or daycare, and dental and orthodontic treatments. Also, the insurance does not cover bilateral conditions or cosmetic procedures.
Spot's policy on pre-existing conditions does not cover arthritis treatment. Any medical condition that was present before the plan was issued is considered a pre-existing. Unless the condition has been cured, insurance companies will not cover arthritis treatment. There is no age limit on this policy, but customers must pay a $2,500 deductible to cover vet costs.