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.
Edits
Reviews are shown as their authors wrote them. The company can reply, but cannot edit them.
Score
This company cannot pay to remove reviews or change its score.
The claim was sent out to me so quickly!! I had my vet appointment 7 days ago, I think I waited until the night evening to submit the claim and by 8:00 am this morning I had a deposit!!!! Amazing.
Response from Spot Pet InsuranceJun 12, 2026
Hi Janelle, we are so glad to hear your claim was processed quickly! We appreciate you sharing your positive experience with us.
JB
Joe B.
After a very expensive trip to the…
After a very expensive trip to the emergency Vet, I filed my claim and was reimbursed for most of the out-of-pocket expenses directly into my account within a very short period of time. It was a true blessing, and I couldn't be more pleased with my decision to purchase the insurance for my pet. Thank you, Spot Pet Insurance!
Response from Spot Pet InsuranceJun 12, 2026
Hi Joe, we are so happy to hear that we could provide assistance during a challenging time. Thank you for sharing your positive experience!
NS
Niki S.
Fast claims advertised, but not my experience
I am giving Spot Pet Insurance one star based on my claims experience and the lack of clear communication.
Spot’s website advertises a fast, simple claims process, including language about quick claim submission and fast reimbursement. That has not been my experience. I submitted my claims with the required invoices and medical records, but they have remained delayed/queued without meaningful updates or clear explanations.
This was for BASIC annual exam and vaccinations. "Most claims are processed within 48 hours after you’ve submitted all required documents." Yes, ALL requested docs submitted. " “Get reimbursed in 48HRs”... Our claim has been sitting there for eight days in queue, not even looked at.
When I contacted customer service, I received canned responses instead of specific answers about my actual claims. I asked directly whether anything was missing and what the status was, but I did not receive the kind of clear, claim-specific information a paying customer should be able to expect.
It is extremely frustrating to pay monthly premiums-ON TIME by the way, submit the requested documentation, and then be left waiting while the company’s website promotes fast claims processing. If the advertised timeline does not apply, customers should be told why. If something is missing, customers should be told exactly what is missing.
At this point, I do not feel confident in Spot’s claims process, their customer service, or their communication. The coverage may look good on paper, but the actual claims experience has been disappointing and stressful. Try Lemonade or ASPCA.
Response from Spot Pet InsuranceJun 12, 2026
Hi Niki. We sincerely apologize, we strive to process all claims as quickly as we can. You can contact
us at 1-800-905-1595 or email us at [email protected] for updates or questions.
TA
TAJEFFRIES
Great Customer Service!!!
The claim was handled very quickly and efficiently. Great company to work with!! I will keep my Rosie’s insurance with Spot! Thank you for helping make a difficult event easier.
Response from Spot Pet InsuranceJun 12, 2026
We're so glad we could make a difficult time a bit easier for you and your pet. Thank you for your kind words and trust in us!
CA
Carla
Submitting claims are easy
Submitting claims are easy. Claims are processed quickly.
Response from Spot Pet InsuranceJun 12, 2026
Hi Carla, we're delighted you had a positive experience! Thanks for choosing us.
RP
Robyn P.
Great pet insurance
This insurance truly is great!!! I had no issues at all getting reimbursed! Truly pays to have pet insurance since the bills can get pretty high
Response from Spot Pet InsuranceJun 12, 2026
Hi Robyn, we're so happy to hear you had a great experience with your reimbursement! We appreciate your feedback. 🐾
LI
Liz
My pup had to have a TPLO
My pup had to have a TPLO. It was easy to upload the vet invoices, and completion of the review process was quick.
Response from Spot Pet InsuranceJun 12, 2026
Hi Liz, we are glad the process was quick and easy for you during your pup's TPLO. We appreciate your feedback.
CU
customer
Great experience
Great experience. Claim processed in a timely manner no questions asked
Response from Spot Pet InsuranceJun 12, 2026
We're so glad you had a positive experience! Wishing you and your fur family good health.