Spot Pet InsuranceReviews of spotpet.com

Customer service is awful

When I was deciding to renew my insurance the person i was speaking to did not know much about the coverage, also did not suggest less expensive options for the type of pet, age of pet and pets history. The company have staff just there to answer the call. I talked to 3 different person and they all had the same less than average knowledge. As a customer service person being just friendly is useless, staff need to be well versed in the product they are selling.

You send way too many emails when someone just looks up cost. Border line harnessing. Keep getting emails to upload documents that have already been uploaded. Asking for medical records for a puppy born on may 5th but you keep asking for vet records from January.

On multiple occasions reimbursements have been sent by check vs going to the direct deposit account I have setup (and that spot has direct deposited before). When I try to get in touch with customer service, I get an automated line saying to use the app. When I try and contact via email I get no response. Also, I always pay my vet in full but this time it says it’s paying the vet and me!?!? I moved the day after submitting that reimbursement so this entire situation has been super inconvenient as I’ve not gotten a response from customer service and not sure if it’s direct deposit (like it’s supposed to be) or a check. Awful service all around.

I got notified that the claim 2nd one h closed due to no response and a representative said she would reopen the claim for reimbursement. That never happened and no follow up was given. I will be looking at other insurance in the future

Spot is....ok....if you're just looking for cheap pet insurance and hoping that not much really happens to your pet. It's all self-submit so you have to be diligent and it can be a hassle. The standard insurance is ok, however you can't change your reimbursement amount after you've started the plan, which means as vet costs rise over the period of your pets life you're reimbursements won't adjust with that. Additionally, the preventative plans are a scam. I was convinced by a customer service agent to add on the Gold Preventative plan this year and unless your dog is sick you really don't need any of those benefits, but if they are sick they won't actually reimburse you because it's a "preventative plan". For example, I took my in for a Wellness Exam that should receive a $50 reimbursement through the gold plan, but since the vet found something wrong with my dog during the exam I was told this is now considered an "illness" and wouldn't be eligible for the $50 reimbursement. Isn't catching an illness the whole point of a wellness exam?

I got a 6$ reimbursement on a 150$ bill. Puppies are going to have multiple rounds of the same shot in the first year, but Spot is only going to reimburse once per year. Im sure its mentioned in the fine print but when you are shopping online, they make it seem like you are going to be covered for every shot. Its a bit underhanded and misleading. The reimbursements are fairly fast, so I gave them one extra star, but be aware that if you are getting the insurance for your puppy, only the first round of vaccines in a year will be covered, no second boosters apparently.

The reimbursement at 90% isn't as much as Spot Pet Insurance proclaimed. I'm paying for the Gold status and Spot didn't want to reimburse me for what was covered. I had to resubmit the claim, for a 2nd time, and only got some money back.