Spot Pet InsuranceReviews of spotpet.com

I haven’t received the reimbursement

This insurance don’t have any coverage

Horrible i sign up with this insurance 6 months ago i paid they misleading me about claim My dog had allergies and they give him medication it’s expensive i send the invoice won’t cover it just imagine $93.00 dollars they won’t pay what happen if surgery horrible customer service before you buy the policy you hear all good after they don’t know you don’t buy anything from this company

When submitting a first claim, Spot keeps insisting on requiring health records for our cat from 1/1/2024 to the present. This cat is a 14 month old rescue with no health history before 10/2025. We supplied all heath records we have from the rescue shelter and our new vet, but Spot refuses to process claim. We are now trying to cancel account with Spot and are running in to a new series of road blocks.

I had a vet bill of 400. They only paid 20. Stay away

If there were an option for 0 stars, I would choose it. I’m extremely disappointed with Spot Pet Insurance. My claim for my dog Alex was denied twice even after submitting all requested medical records. Spot never contacted my veterinarian for verification, and the claim process was slow and unnecessarily complicated. Missing even one item means an automatic denial. I switched from Healthy Paws because Spot advertised reimbursements for vet fees. In reality, Healthy Paws is far superior — straightforward, fast, and proactive in contacting the vet. I’m returning to Healthy Paws and regret switching to Spot.

Slow updates and they find ways to avoid paying vet bills. Reimbursement takes too long.

Submitted a claim that was denied because Spot transposed numbers on date of service so they said I hadn’t met the deductible when I had. Waited almost TWO MONTHS for this to be corrected and had to call multiple times. Finally got corrected and instead of direct deposit like every other claim they sent me a check by mail so I have to wait even longer. Very dissatisfied and will likely be canceling my plan. I pay way too much to have to fight this hard to get my reimbursement, especially when it was YOUR ERROR! Also, get an email! Working people don’t have time to sit on the phone to keep calling you.