Spot Pet InsuranceReviews of spotpet.com

Spot Pet insurance was useless. I can’t believe we switched to SPOT from ASPCA insurance, which was always stellar. I will never choose one just because less expensive monthly premium again. SPOT wields that pre-existing condition like a sharp-edged sword. Our dog had pre-existing mammary tumors. She was elderly when we got her and we acknowledged that. She had eight teets and the two lower showed no mammary growth. Over a one-month period one of these lower teets developed a massive rapid swelling that showed as a mammary tumor but our vet noted the swelling was due to infection. She was treated for infection. Over following three weeks she was treated again at emergency and other locations. Edema from same sudden swollen lower teet area caused edema in leg so she could not walk. The inability to walk was what forced us to put her down - a secondary reaction to infection in a sudden rapid tumor! Not only did SPOT not pay ONE PENNY on this claim, but I was told by a customer service rep on the phone (who slurred his words/sounded drunk - don’t know if he was 🤷‍♀️ but pretty frustrating - fyi SPOT ), that SPOT will not pay for her Euthanasia and her cremation because she died from a pre-existing condition! So now I’m appealing the claim which is a HUGE hassle during a heartbreaking week. ASPCA pet insurance paid our other dogs euthanasia and cremation without hassle or question. They are a far superior company with, by the way, truly sympathetic and kind and articulate customer service reps. Kindness means a lot when your dog is dead, okay? Had SPOT pet insurance showed one modicum of kindness, sympathy, etc and had SPOT paid even a small portion of the claims I would not be writing this review. This company should be ashamed of itself.

Not a great experience. 5 yr old gsp female. Very healthy only been to the vet for annuals. Had a small spot on head losing hair, took her in after watching it couple weeks. No mites or mange just prescribed topical ointment. Cost was reasonable $189. Submitted claim to Spot. Ended up just canceling the ins immediately. Spot was horrible, csr very nice on phone but a simple claim (and we weren't expecting much for it) was 2 calls to spot, 2 calls to our vet and a third call to spot to just say. This is enough. A very real inquisition that required 2 full yrs of vet records, provided twice. Imagine a bigger vet bill🙄

Avoid at all costs. They will not pay. Spot was happy to take my money, but when I filed my first legitimate claim, they denied it based on a flimsy "pre-existing condition" excuse. Even after I provided a signed letter from my vet proving the condition was new and not pre-existing, they refused to help. Their business model seems to be collecting premiums and denying claims. Do not trust them with your pet's health.

Spot Pet Insurance cs agents, are nothing more than a bunch of dishonest, money grabbing thieves… I switched from my farmer’s insurance pet policy, to spot pet insurance, 6 months ago, because of the low premium cost..My Shih Tzu got an ear infection, I took him to the vet, had it treated..During the visit they suggested that he may have allergies, because he licks his paws excessively, which he doesn’t..His paw licking is an indication that he is in pain because of the ear infection..None the less, he was treated for the ear infection, and he received his annual rabies shot, during the visit..I was charged for a wellness check/ office visit..the rabies, shot, and ear infection treatment..I submitted the claim to pet insurance, the same day, along with his medical records..1 week later I received a email, notifying me that,,the claim was denied, because I had failed to send the medical records..I then made contact with them over the phone, and sent the medical records for the 2nd time, while I had the agent on the line,,she confirmed that she received the records….A week later, which is this morning at 9:00 am cst, I received a email..stating that the claim was denied..citing a pre existing condition..At this point, I am not only surprised, but also pissed..I called them up, asked them what pre existing condition caused them to deny the claim,,She said to me, in May 2022, the vet wrote in their notes, that Gabriel my Shi Tzu, had allergies..I said to her I have lived with him for 4 yrs since that visit, we go to the vet for scheduled wellness checks, and him possibly having allergies has never been mentioned again, in 4 yrs..I mentioned to her that, This is Gabriel’s 1st ear infection in the 5 yrs that I have had him, and that my claim was for the ear infection, the office visit, and the rabies shot…nothing else..In the end they denied the claim, and their reason for the denying it, was for Something that was not mentioned, or listed on the invoice..These people are liars, scammers, and is only out to take your money, they provide you with with a false since of security, through offering you low preniums and low deductibles …But in reality, they have no intention on paying any claims..For those of you on here, that are exciting about the cheap premiums...,It’s nothing more than their predatory marketing strategy..designed to steal from you….Don’t Fall For It.. Cancel your policies today, and get a policy thru a reputable company..Spot Insurance should be named…Spit Insurance, as they lie, cheat, steal, and spit in your face, with no hesitation

Please stay away from this company. They do not care about your pets, and they are not there when you need them most. I am writing this to report what I believe to be an improper denial of a valid insurance claim and a failure to adhere to the terms of the policy. My dog, Mila, was diagnosed with advanced periodontal disease, which progressed to tooth root damage, infection, and a fractured jaw with involvement of the nasal cavity (oronasal communication). As a result of this condition, she required emergency surgical treatment, including dental extractions, treatment of infection, and stabilization of the jaw. The treating veterinarian, Bremen Animal Hospital LTD, documented that this condition and the procedures performed were medically necessary and required immediate intervention. Without treatment, the condition would have caused ongoing severe pain, inability to eat, and risk of further complications, including systemic infection. I submitted a claim under my Platinum plan with additional wellness coverage for reimbursement of approximately $1,788.00 in veterinary expenses. This claim was denied in full. Based on the policy coverage for accidents and illnesses, this condition and the resulting treatment fall within covered events. The diagnosis was not the result of neglect, and the treatment was not elective or preventative—it was necessary medical intervention for a covered condition. The denial of this claim appears to be inconsistent with the stated terms and intent of the policy. I am requesting a formal review and reversal of the claim denial, with reimbursement of eligible expenses in accordance with the policy. I also request a clear, written explanation citing the specific policy provisions used to justify the denial. Consumers should be aware of how this company handles claims, especially in urgent medical situations where coverage is expected but not honored.

Only had for 2 months. Submitted a claim that included “ear infection” and “ fecal analysis of hook worm”. She is a 5 year old lab that we adopted from s breeder two months ago. Spot requested past records for shots and vet records for 1 year. I sent a total 5 year history from the breeder of shot records(breeder gave me the list), but there are no records of vet visits of health issues as the breeder did all her own inoculations. Thus no illness preexisting conditions, because no vet visits for illness. Now, what is one to do if Spot will not cover a simple ear infection or hookworm diagnosis, because I Afopted my female dog from a breeder. She is 5 years old. I have vi tact Spot 3 times now providing all the required/available information to no avail, bother claims have been closed and denied. IF YOU HAVE A PREOWNED, RESCUED OR ADULT MOMMA OR STUD DOG THUS I DURSNCE IS NOT FOR YOU. I will be calling to cancel my insurance.

If I could rate zero stars I would. Every claim I submitted was denied, they work to find anything in your pets history they can claim as pre existing. I submitted a claim in January shortly after my dog was diagnosed with Cushings disease and they said it was pre-existing even though the diagnosis was made that month. I've since cancelled my policy with them.

Worst customer service! They don’t pay for nothing! $72 a month wasted