Spot Pet Insurance Washington Review

Coverage

In Washington Spot is underwritten by United States Fire Insurance Company and administered by PTZ Insurance Agency, not by Independence American as in most states. Washington sample policy PET-P-20030-0124-USFWA-(3): illness, including orthopedic, hereditary and congenital illness, waits 14 days; anything that shows up during the wait counts as pre-existing. A vet exam 3 days before to 7 days after the start date can shorten the wait, but it does not change the pre-existing exclusion, and the waiver form linked from the Washington page is Spot's Maine form. Any ligament or knee condition before the start or during the wait excludes all ligament and knee conditions, on both sides. A cured condition is covered again after 180 days without symptoms or treatment, except chronic, orthopedic, hereditary, congenital and ligament and knee conditions. The Washington disclosure says premiums will increase as the pet gets older and will not change with your claims; coverage and rates can change at each renewal.

Scores in Washington

Without rate pages there is no lifetime cost, so Spot is not ranked in Washington. Scales with data:

Price by age

Rate pages for Spot in Washington are not public or not yet read, so there is no price by age.

Rate filings

No filings recorded yet.

References

1. 1.↑Pet Insurance Wiki, Rating methodology, version 1. methodology