Amy L.
Not worth the money
I have had this pet insurance for my pets life. My pet has a bad hip. He needed surgery so I had the surgery done. I placed the claim the claim was denied. They said it was a pre-existing condition because when I got the insurance I did not have it for 14 days and I placed a claim to have the surgery done. I waited over a year. He just had the surgery done. I replaced the Claim again. They denied my claim. I am very disappointed with this company and I would not recommend this insurance company. Also, I had talked to a customer representative over a year ago and they told me even if it was considered pre-existing, they would pay for it if I had the insurance for over so many months.
Response from Spot Pet InsuranceJun 26, 2026
Hi Amy. We understand your frustration and apologize for any disappointment with your recent claims experience. Much like other providers, our plans don’t cover conditions showing signs before your coverage starts, as documented by your vet. Our team is here to provide support and answer any questions you have at 1-800-905-1595 (M-F 8am-8pm, Sat 9am-5pm EST).