Spot Pet InsuranceReviews of spotpet.com

Filed my first claim for my first pet's first vet visit. Took 6 business days to process, yet had obvious mistakes. The Preventive plan includes coverage for an annual visit, dewormer, vaccines, and one-time microchipping. They decided not to cover the dewormer because it was "preventive" and they put it under my Accident plan for some reason... They decided not to cover the microchipping because they put it under my deductible under my Accident plan... even though a microchip literally isn't a treatment... For clarity, I have a Base Accident & Illness Plan plus Gold Preventive. I filed a claim under my Preventive for the visit. They did cover her two vaccine boosters, but only $20 each when they costed $60-$80. If they did cover the dewormer, they probably would have underpaid for that too, but they did one worse and just didn't cover it. I had a coupon for my first vet visit at VCA, but if they covered it, the $50 allowance would have underpaid the $125 fee by 2-3x. The plan did transparently say that it would pay $20 though, but I didn't think the actual price was 3-4x that at the vet (again, first pet, first vet visit, so idk average prices). I emailed them about the misclassifications, will edit with updates, but either way, this is a horrendous first impression and I shouldn't need to correct obvious mistakes... Given this was for a simple routine visit, I can only imagine that this is just the tip of the iceberg... This "insurance coverage" seems like a scam if they either intentionally misclassify things or make egregiously obvious mistakes in order to pay you less. Sickening how manipulative & exploitative this "business" is. Update: I got a response to my email within 4 hours. Fast response time, but the incorrect statements and nickel-and-diming nature of the response only makes my impression even worse. They said that Revolution is "not a dewormer", even though that's what my vet prescribed it for, that's what the box says it is for, and that's what multiple vet websites, pharmacies, and the manufacturer say. It's for both flea prevention and deworming; it's an extremely common all-in-one treatment that I even knew about before having my own pets... It's also literally the first Google result for "dewormer for cats" - can't make this stuff up... They also said that microchipping is under the Accident plan, not Wellness/Preventive, even though their own website literally lists microchipping under their Wellness plan... (which, uh, also makes sense, by definition...). In other words, they'll happily contradict their own website and your licensed vet, other licensed vets & licensed pharmacies, and the medication manufacturer in order to deny you an extra $25. Absurd kafka-esque practices...

Extremely poor experience. Have had issues with more than 3 claims now (I’ve been a customer for over a year). First issue they didn’t receive my dogs medical records from my vet within a certain window so they rejected the claim and ignored me when I sent in the records after the fact. Then they decided to stop covering a treatment for his cancer which they had been covering for almost a year because they found a co-occurring symptom (on bloodwork) and decided it meant the illness was a preexisting condition. Most recently they denied a claim for an ear infection because he had an ear infection in the 2 week period of the policy (this was more than a year ago), saying that the two infections are related when the cytology results show the infection is actually different. They also tried to say that these infections were caused by allergies when there’s no evidence to suggest that. It’s clear that they’re just making up reasons at this point to not cover illnesses that are coverable. I really wish I would’ve gone with another company.

No follow up on my.claim!

I spend $68 a month for the premium insurance, but when I take my cat to get annual shots or visits, the insurance doesn’t even cover half of what is owed. Ridiculous.. I am seriously considering finding a new pet insurance

DO NOT USE FOR FRENCHIES EVER. I am writing this review to document how deeply disappointed I am with Spot Pet Insurance and how completely they failed my dog and me. My experience has been financially devastating, emotionally exhausting, and ultimately has shown me that Spot does not provide the protection or reliability they advertise. 1. I paid monthly premiums, but Spot paid nothing when it mattered I paid $75 per month for coverage, trusting that Spot would help in the event of an emergency. Over the course of the year, that totaled $900. Despite this, Spot did not cover a single dollar of my dog’s care — not routine care, not emergencies, not hospitalization. 2. Spot refused to cover a life‑threatening emergency My French Bulldog suffered a severe respiratory attack that required: Oxygen Overnight hospitalization Lab work Emergency care The total cost was $4,500. Spot denied the entire claim, citing “BOAS” in his records — even though he is a French Bulldog, a brachycephalic breed by nature. This was not a pre‑existing condition; it was an acute emergency. I appealed six times, and every appeal was denied. 3. Spot also refused to cover medically necessary BOAS surgery Following the emergency, my dog required BOAS surgery to prevent future respiratory crises. This surgery cost approximately $5,000. Spot denied this as well, again using the BOAS label as a blanket exclusion. 4. Routine care was also not covered Despite paying monthly premiums, Spot did not cover: Vaccines ($60 each) Wellness exams ($125 each) Any routine care whatsoever This meant I was paying for insurance and paying full price for basic veterinary care. 5. My total out‑of‑pocket cost last year was over $10,000 Between the emergency hospitalization, surgery, and routine care, I paid over $10,000 out of pocket, on top of the premiums I paid to Spot. Spot contributed nothing. 6. Spot’s exclusions make the policy nearly useless for French Bulldogs French Bulldogs are prone to respiratory issues, which is exactly why owners seek insurance. Spot’s approach — excluding anything related to BOAS, even acute emergencies — makes their policy effectively worthless for this breed. If a Frenchie can’t get coverage for respiratory emergencies, hospitalization, or surgery, then the policy has no meaningful value. 7. The appeals process was exhausting and unproductive I submitted multiple appeals with documentation, vet notes, and explanations. Every appeal was denied with the same generic reasoning. There was no meaningful review, no nuance, and no willingness to consider the actual medical situation. Conclusion My experience with Spot Pet Insurance has been overwhelmingly negative. I paid monthly premiums for a year and received zero coverage, even during a life‑threatening emergency. I was left with more than $10,000 in veterinary bills and no support from the company I trusted to help protect my dog. Based on my experience, I cannot recommend Spot to any pet owner — especially owners of French Bulldogs or other brachycephalic breeds. The exclusions and denials make the policy effectively useless when you need it most.

I hate that it comes down to this, but you just always read the fine print. They say the claim is processed in 2-3 business days, however what they do not tell you is that it takes 4-6 weeks to review the claim before they process it... At this point I feel like it is a Scam and would not recommend and make sure to review all other Pet Insurance options and read the fine print. Also, in talking to the person a few minutes ago, I really got the feeling that he was trying to prepare me for when the claim comes in do not expect the full amount to be paid...

I pay way more than I get refunded, so there really is no reason for me to have this insurance.

Their policy is not clear on how to determine incurable conditions and that they are not covered under the preventative plan. The entire insurance industry is a scam and they are one of the front runners. Their phone rep informed me the reason for claim denial was because the condition is incurable and hence not covered while in their explanation of benefits it’s stated that the claim was made within the 180days of getting the insurance and that’s why it was denied. So which is it?!?! Taking all of this into consideration I’ve decided to take my business elsewhere. Never received a penny on any of my claims. They always had some made up reason to deny coverage. SHAME ON THEM!