Ginny
Pay them money dont expect reimbursement
My dog had an emergency illness and I also was required to show 6months to a year of medical documents too. ..... they stated the ones from the vet weren't sufficient. My dog is healthy and doesnt go to the vet that often so when I submitted documents the next few days I get a completed status and a rejection that states claim not eligible with NO EXPLANATION - how can you deny my claim with no explanation when you required 6 months of documents on my end???? My dog has accident and illness i read the coverage and my emergency should be covered. I have xrays and labs done on top of everything and none of that is eligible? And they completed it on a holiday weekend so that now I cant call and ask for a reason??? Scam. This is ridiculous why are we paying for pet insurance if we cant get reimbursement? So they just take your money... last time I checked money doesnt grow on trees and it aint free $1500 out the toilet.
Response from Spot Pet InsuranceMay 28, 2026
Hi Ginny, we’re very sorry to hear this was your experience. If you want to provide additional feedback or get more details about your claim, please do reach out: 1-800-905-1595 (M-F 8am-8pm, Sat 9am-5pm EST)



