Spot Pet InsuranceReviews of spotpet.com

Last summer, I adopted an adult cat from a local SPCA. I signed him up for Spot Pet Insurance thinking I was being a smart cat guardian but the first several months were awful. Spot claimed that the vet was refusing to answer their calls but the vet's office denied that Spot had ever made contact. I began collecting the vet's medical notes myself and submitting them directly to Spot. Spot continued to deny all claims because they wanted several years of past medical history and documentation -- for a cat from the pound! Not too many rescue pets come with medical history! If they don't cover shelter adoptees then they shouldn't be taking my premium payments. I was ready to cancel my policy and mentioned to them that I was going to submit a complaint to my state Insurance Commissioner. Suddenly, they started paying my claims! Since then, they have processed claims within a week and have paid for everything except for prescription food. I decided not to challenge them about the food because I was just so relieved to stop fighting with them. Not recommended for rescue pets because of the nonsense about requiring medical history. I now have another rescue cat and will use a different provider for her pet insurance.

We’re paying more and more every year. The insurance went up $600 for both of our dogs and we’re not getting enough back so it makes sense to keep the insurance.

I was initially so excited about Spot after researching a bunch of pet insurance companies! I'd had pets nearly all my life but never had ventured into pet insurance before. I have an older GSD and a young, wild GSD pup so it felt like a good time. Nope. Going to be a one year purchase and then I'm out. The app and user experience is slick and easy, So that's not the issue. And the price wasn't outrageous for what I thought was decent coverage. Those are the two stars. All I can say is read every line of the small print and maybe show it to a lawyer. I DID read it carefully, and I'm alert and suspicious. But when my dog tore his CCL and required surgery, it was denied and I was shocked. Here's why: midway through the 5 or so pages of small print, there was a definition of animal anatomy (I'm paraphrasing from memory): bilateral body parts are considered as a single unit (meaning front legs are one unit, 2 kidneys (I suppose)... 2 pages later at the end, it said that preexisting conditions weren't covered. Of course! I thought to myself. So when my dog tore his CCL they saw from vet records that he'd torn his opposite knee 3 years before... cue the bilateral definition from mid-document. His rear legs were one so the knee surgery he'd had years before were considered prior conditions spread over to the previously healthy leg. Wow. I would not have put those two widely separated sections together. We were left high and dry with a useless accident and illness policy that didn't actually cover an accident. The other thing is check what your vet charges for routine car against the reimbursement amounts Spot provides. I didn't do this, so my bad. I had the wellness policy I for my puppy. The reimbursements are adequate for maybe covering the cost of a low income spay neuter clinic sponsored by the humane society, but NO vet in private practice charges the modest fees that are anywhere close to the small amounts they charge for procedures and check-ups. I live in a rural area. My vet is not outrageous, but I am still left paying hundreds of dollars for spaying and dozens of dollars for vaccines and wellness checkups even after Spot kicks in its small reimbursements. Not a fan.

I spoke with a representative in the phone a few days ago and she was unhelpful and not epithetic. State, “wow, you see to go to the vet a lot”. She told me to email her a receipt and I didn’t and did not hear back.

It’s pretty ridiculous you won’t take care of medicine. It is an actual cost of any pet to get better. I spent $770 for a year and I feel like this is pretty scammy.

Cancelled claims with no explanation.

It’s extremely hard to get coverage! I have all of my cats and my elderly dog on my insurance and they will use any wording or small note on your pet’s history to deny you. I was denied for my cat eating a rubber band? I called and the man I spoke to even said I should send a new case in as it should not have been denied. It feels like they deny cases just to deny them and see if you’ll accept that outcome. So, so frustrated. You will wait weeks for any information, and it’s ridiculous.

You payed less than half of my claim. The total bill/claim was directly from the vet. I went in for one reason only. The only reason you got two stars was because of the first claim or I would have given you one.