Spot Pet InsuranceReviews of spotpet.com

I’m extremely disappointed with this pet insurance company. Despite paying premiums in good faith, every claim has been denied with the same blanket excuse: “pre-existing condition.” It feels like no matter what the issue is, they find a way to connect it to something vague in your pet’s past just to avoid paying. What’s the point of insurance if coverage disappears the moment you actually need it? The process is frustrating, time-consuming, and ultimately pointless. I strongly regret choosing this company and would not recommend it to any pet owner who expects real coverage instead of loopholes and denials. Save yourself the stress and look elsewhere.

I have been a loyal customer of Spot since 2021, but after my most recent renewal in November, they have shown their true, heartless colors. My dog, Lady, deserved better than the "convenience" email I received from this company. They are masters of the bait-and-switch. They moved the goalposts from a general Accidental Death claim to insisting she must have been hit by a car to qualify. When that didn't work, they pivoted to the classic "pre-existing condition" excuse to avoid paying out. To take my money for years and then deny my claim right after a renewal is disgusting. But the ultimate insult was receiving their cold denial signed off with "Happy Pet Parenting." There is nothing "happy" about how they treat grieving owners and the pets they are supposed to protect. They don’t care about Lady, and they don’t care about the people who pay their premiums. After four years, I’ve learned that their "coverage" is just a facade. Save your money and your heart—go elsewhere.

I wanted to get pet insurance for my dog. This dog isn't two years old and is perfectly healthy. It's a Yorkie. This our second Yorkie. The last one lived 16+ years. She lost her teeth because of gingivitis. All we had to do is mention to our current vet that our prior Yorkie lost his teeth and we didn't want it to happen to the new dog. Suddenly the new dog has a preexisting condition. What a bunch of crap. But after all they are an insurance company that doesn't pay. What a surprise.

Do not waste your money. They won't reimburse you. I've wasted so much money on monthly payments for no reason. Cancel your policy immediately. It's worthless.

You are asking me for a review for a payment that you say was mailed to me on Dec 5th and I still haven’t received the check. I called and was told to wait for 30 days! This is completely unacceptable.

Just like any other insurance company; you pay in sooo much money every month. Then if you have to file a claim, they raise your rates. It should be illegal.

Supposed to get 70% back! That didn't happen! I'm dropping my policy!!!

It is ridiculous that I have to wait 4 - 5 weeks for a claim reimbursement.