America's FavoritePuppy Insurance Click for Price >Spot Pet Insurance is one of the leading providers of customizable pet health insurance for dogs and cats across the United States and Canada. We're on a mission to help families get their pets the care they need to lead longer, happier lives together.
Spot Pet Insurance (spotpet.com) has 11,960 customer reviews on Five Star Index, with an average rating of 4.6 out of 5.
Also known as
spotpet.com
Website
spotpet.com
Category
Insurance
Location
Miami, Florida
Listed on Five Star Index
2026
About these reviews
Replies
The company replied to 99% of reviews.
Latest
Most recent review: October 2026.
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Reviews are shown as their authors wrote them. The company can reply, but cannot edit them.
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We’re delighted to hear about your positive experience with our pet insurance, Dawn! Thanks for choosing Spot to protect your furry family.🐾
BR
Briann
Good experience sometimes there is a long wait for claim review
I have had a great experience with spot. My first claims were covered quickly. My most recent claim has taken much longer or my rating would be 5 stars.
Response from Spot Pet InsuranceJun 15, 2026
Hi Briann, we appreciate your positive feedback on your claims. We understand your concern about the recent claim's speed and are working to improve our process.
DA
Dale
Great communications and follow…
Great communications and follow through. Easy to work with.
Response from Spot Pet InsuranceJun 15, 2026
Hi Dale, we are so glad to hear we made things easy for you! Thank you for your kind words.
TO
Tom
Spot Pet Insurance was SPOT on my fur…
Spot Pet Insurance was SPOT on my fur Baby got sick took him to the vet submitted my bill afterwards smooth process got Paid. I liked Spot
Response from Spot Pet InsuranceJun 15, 2026
Hi Tom, we're so happy to hear about your positive experience with us! We appreciate you sharing your kind words.
MK
Martin K.
Fantastic
Fantastic, QUICK and per our AGREEMENT
Response from Spot Pet InsuranceJun 15, 2026
Hi Martin, we're so pleased to hear this! Your positive experience is truly important to us.
TM
Tiffany M.
No Regrets! AMAZING Experience and also my dog has the IQ of an artichoke..
Just...wow. So we got a lab puppy (ie: a vaccum cleaner with legs that barks) two years ago and remembering how I had to use funds in my 401K for my last pet for a surgery, I immediately purchased Spot Pet Insurance. It wasn't random: I researched, read reviews and thought this one would be best. And then for two years, I never used them. I paid auto deposit every month and just thought I'd be doing this until my blond tornado was 10 or so and needed something replaced (hips, knee, brain...he's a lab).
Welp, being as he's a lab, he ate...something. We think a poison toad (he likes to carry frogs in his mouth from one side of the yard to the other and let them go--like a Frog Uber or something). And he got sick. REALLY sick. Like blood all over the carpets and refusing to eat ANYTHING sick (if you've ever had a lab, you understand why the eat refusal is cause for alarm). Our vet saw him and immediately sent him to Emergency Services where he spent most of the weekend. Had we not taken him, he would not have survived. But the bill...it was thousands of dollars. It was the vacation money we planned for next week.
So I nervously filed my first claim with Spot, wondering if I would see anything. A week later: 80-percent of my entire bill is direct deposited into my account. All I did was upload the vet bill. No forms, no phone call, no accusations, no arguing, no requests for additional information: just approved immediately and paid immediately. So yeah-Spot gets five stars. I'd give them more but it's not allowed and also my dog would probably eat those too. Anyways--never been so happy to have a bill on auto pay in my life! Saved the day and my credit card!
AND--we leave for that vacation in two days!
Response from Spot Pet InsuranceJun 15, 2026
Hi Tiffany, we are so happy to hear that we could be there for you and your lab (house tornado) when it mattered most! It is wonderful to know that our process was seamless and helped alleviate stress during a difficult time. We appreciate you sharing your positive experience and wish you a fantastic vacation!
LC
laura C.
Spot has been amazing
Spot has been amazing! I tell people all the time to get SPOT pet insurance. I wish human insurance worked similarly. They are easy to work with and seem to share the love of animals just as we do. They really are here to help and do what's best for your pet! We highly recommend!
Response from Spot Pet InsuranceJun 12, 2026
Hi Laura, we are so happy to hear that we could be there for you and your furry family member. Thank you for sharing your positive experience!
LS
Louise S.
Mixed results with SPOT
I used SPOT insurance with a pet. They were responsive to paying claims and signing up was easy. Two incidents, however, made my give this business three stars. One, we received a claim check twice. It looks some undertaking to ask what they wanted to do with the duplicate check. Secondly, due to a change in family circumstances, we had to rehome a pet and asked for SPOT to transfer the insurance policy - per their coverage agreement to the new family. They agreed to do so, however, the hassle of getting the paperwork done was ridiculous. First, there is no available way to have a transaction without being on the phone for transfers. They stated it was a legal matter. I am not sure if that is accurate. Also phone transactions make it difficult if you are hard of hearing or deaf. When asked to conduct this transaction via email, I was told to use a translator service for the Deaf. Also, when you call you get moved from person to person - each with a different story or different way of conducting business. So, I am giving SPOT four stars due to this "behind the scenes" concerns.
Response from Spot Pet InsuranceJun 12, 2026
Hi Louise, thank you for your feedback. We are always looking to improve and will take your comments back to our team.