Spot Pet InsuranceReviews of spotpet.com

Every claim that I made was at first denied. I had to call Spot and fight with them each time in order to get any payment at all. And this after turning in invoices that clearly stated annual exams, vaccines, fecal tests, etc. They claimed I turned in an invoice for vitamins. I only turned in two claims while with Spot and both were denied and then paid after I called them and complained.

After my claim was denied, I tried to cancel the policy and a representative talked me out of canceling and said he would re-open the claim which merely needed a more readable documents from the veterinarian. He said he would request the document himself. Two weeks later, no update. Another representative said further documentation was needed and that she would call the vet to get it. Two weeks, no update. Tried to cancel again and they kept giving me the same bull. Meanwhile another month’s premium was paid. I tried to cancel again. She tried to transfer me to a representative who “handles” cancellations. I waited over ten minutes and was told someone would call me back within 24 to 48 hours. I raised hell. She connected me immediately to the “handler,” who tried to talk me out of cancelling again. I put my foot down after months of $70 premiums for two cats and a huge chunk of wasted time with these guys.

I am extremely disappointed with Spot Pet Insurance. I purchased coverage for my puppy believing they would help if something went wrong, but every claim I submitted was denied. My puppy was not diagnosed with any condition until after I had already purchased and paid for the policy, and I provided full veterinary records proving there were no prior issues. Despite that, they still refused every claim. In my experience, Spot offered no support when it was needed. I would not recommend this company and suggest pet owners look into other options for their fur babies.

Didnt refund my full eligible amount tried to use my discounts in ehich they do not pay for. They owed me $50.00 and only gave me $36.00

We had over $6,000 in claims which were all denied. Our dog suffered a CCL tear (like an ACL in humans) in his left knee. They said it was "probably" related to previous pains in his back and right leg. So they not only denied the surgery for the CCL tear, but they went back and reversed a previously paid claim for emergency vet care when the tear occurred. And so far, they have not paid any of the claims we had for those "previous" pains that they assume to all be related and pre-existing.

If you are considering Spot Pet Insurance, save yourself the money and the stress and look elsewhere. They have repeatedly refused to reimburse anything related to my dog’s skin infection, despite the veterinarian clearly documenting that the infection had nothing to do with allergies. It does not matter what the medical notes say. Spot defaults to the same lazy conclusion every single time. If it involves skin or if my dog is sick, they label it allergy related and deny the claim. What makes this worse is the process. Every interaction turns into an appeal. I submit full records up front. Detailed vet notes. Diagnoses. Treatment plans. Everything they could possibly need. They still deny it. Then I have to call. Then I have to email. Then I have to resend the same documents again. Then I wait 30 to 60 days for a response, only to be told some variation of the same thing. Phone support is frustrating and circular. You explain the situation clearly. They acknowledge it. Nothing changes. The burden is always pushed back onto you, even when their own criteria have already been met. It feels like the system is designed to wear you down until you stop trying. If your pet ever has a skin issue, an infection, or anything remotely adjacent to allergies, do not expect coverage. Even when a licensed veterinarian explicitly states it is not allergy related, Spot will still twist it into one. I regret choosing this company. I regret the time I have wasted fighting for reimbursements that should have been straightforward. This has been one of the most exhausting and one sided customer experiences I have dealt with, period. AVOID THEM

Account # SP8150755 - Very disappointing customer service would not recommend. When I signed up it took 3 calls for them to add my Veterinary office. Kelly from customer service was the only none that helped and actually phoned me back. I asked her why I never received by 15% discount or $25 Sam gift card and she called Sams and said I should receive in 2 weeks. When that didn't happen I called customer service and got Stephanie who said I wasn't eligible, she would not transfer me to anyone higher to help but was more than happy to cancel the policy. I am disputing the entire amount since I never had my vet in from the beginning and made no claims.

Spot Pet Insurance has denied my claim multiple times for “missing medical records” that do not exist and cannot be provided. My dog is a rescue I adopted at age 2, and I have already submitted every available record from the rescue organization. Each time I call, I’m told the notes will be updated — yet they continue denying the claim for the same reason. Meanwhile, my dog’s condition is worsening and needs surgery. I bought insurance specifically to be protected in situations like this, and instead I’ve spent months resending documents and getting nowhere. If your pet is a rescue without a full lifetime medical history, expect serious problems getting claims approved.