It can be costly to cover your pet's medical bills if they have a medical condition. Pets Best can help. 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 has 100% coverage
Spot's pet insurance is designed with your pet's age, breed, size, and behavior 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's coverage also covers routine preventive and accident-related costs, such as deworming, vaccinations, and flea/tick prevention. There are no deductibles or waiting periods for each covered benefit. However, each benefit has an annual limit. SPOT will not pay for any excess amount.
Spot is eligible for a low deductible
Spot customers can select policies with a $2,500 deductible to $10,000. They also have the option to choose a low or unlimited annual deductible. They can file claims online or through Spot's app. To process a claims, they will need to obtain the medical records of their pets. Customers will receive an email reply after filing a claim. They can also check on the status of their claim through a 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. The plan reimburses at least 80% of expenses, and the deductible is very low.
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 plans cover hospitalization, surgical procedures, and prescription drugs. Spot also covers vet fees for accidents and illness. The insurance company offers discounts for multiple pets.
The prices for policies vary from $2,500 to $10,000. You can choose between unlimited coverage and an annual deductible, depending on the plan that you select. Spot allows you to submit claims online or via Spot’s app. The veterinary records should be submitted within 270 calendar days.
Spot doesn't cover pre-existing medical conditions
Spot's coverage doesn't exclude pre-existing medical conditions, unlike most pet insurance plans. Some conditions, however, are excluded from the policy. Dental disease, intervertebral and other hereditary disorders are excluded from the policy. Dental and orthodontic procedures as well expenses related to daycare and boarding are some other exclusions. Cosmetic procedures and bilateral conditions are not covered by the insurance.
Spot's preexisting condition policy does not cover treatment for arthritis. Pre-existing conditions are any medical condition that occurred before the 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.