Taylor S.
Avoid at all costs
Avoid at all costs. They will not pay. Spot was happy to take my money, but when I filed my first legitimate claim, they denied it based on a flimsy "pre-existing condition" excuse. Even after I provided a signed letter from my vet proving the condition was new and not pre-existing, they refused to help. Their business model seems to be collecting premiums and denying claims. Do not trust them with your pet's health.
Response from Spot Pet InsuranceMar 20, 2026
Hi Taylor. We understand your frustration for any disappointment with your recent claims experience. We strive to be as transparent as possible with what is covered in each plan. For further assistance, please call our team at 1-800-905-1595 (M-F 8am-8pm, Sat 9am-5pm EST)



