Spot Pet InsuranceReviews of spotpet.com

Hard to determine what is covered and what is not. When you decline something at least send a email explaining why I shouldn't have to call.

First off, I would like to say I loved how quickly I was responded to! I gave only 3 stars because I sent in two different claims and was told they were one in the same. They were different. One was from last year and one was from this year. Otherwise, I would have given 5 stars if I had been told that I couldn't submit a claim from the previous year.

I sent in a claim on 12122024 and it has been approved and I'm still waiting on my check on 01042025. slow process

The experience is average we are glad we did purchase pet insurance for furry friend. Understanding the reimbursement process is a little cumbersome, but overall they do follow through and get back with you and it has been very helpful

If I needed my health insurance more than once during a calender year, I would be covered. You only allow one emergency coverage because of the cap. pay out. It's a gamble weather you use it and pay all year, or not. Either way, one party makes out better and in most cases it's the insurance co. That's wry the 3 stars.

**EDIT: Spot did end up resolving this issue, including full reimbursement and a hand-written letter. It seems like customer support aren't all fully trained on handling end-of-life cases with compassion, while others do.** Although they were fairly quick to payout claims, they charged us for a month of service after our pet was put down *before* our renewal date for our next month. We were originally told that we wouldn't be charged if our pet passed but then were charged without a guarantee for a refund (which we hope to get). We wish that our claims were handled with a bit more compassion as our pet passing was very sudden and unexpected.

Enjoy the quick turnaround. Too bad they don't cover much for annual exams.

Spot pays quickly what you pay upfront. Deductible is half what other companies charge. But if you have to wait a full year to submit a claim, you are out of luck. So really, you are forced to go elsewhere. Other companies offer 90% not 80% and do not have a limit of claim amounts. So choose wisely, it sounds good and for no problems it is great.