America's FavoritePuppy Insurance Click for Price >Spot Pet Insurance is one of the leading providers of customizable pet health insurance for dogs and cats across the United States and Canada. We're on a mission to help families get their pets the care they need to lead longer, happier lives together.
Spot Pet Insurance (spotpet.com) has 11,960 customer reviews on Five Star Index, with an average rating of 4.6 out of 5.
Also known as
spotpet.com
Website
spotpet.com
Category
Insurance
Location
Miami, Florida
Listed on Five Star Index
2026
About these reviews
Replies
The company replied to 99% of reviews.
Latest
Most recent review: October 2026.
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Reviews are shown as their authors wrote them. The company can reply, but cannot edit them.
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The claim process was very easy. The reimbursement was very prompt.
Response from Spot Pet InsuranceMar 19, 2026
We’re delighted to hear about your positive experience with our pet insurance, Linda! Thanks for choosing Spot to protect your furry family.🐾
TN
Tatiana N.
This whole process for reimbursement…
This whole process for reimbursement was handled in such a great timely manner. I am impressed.
Response from Spot Pet InsuranceMar 19, 2026
Hi Tatiana, We’re so glad you had a positive experience and got your pet the help that they needed! Wishing you happy wags!❤️🐾
MM
Monica M.
Customer service before my cats…
Customer service before my cats procedure were helpful. Then submitting my claim and receiving reimbursement was quick and painless. So appreciated while dealing with my cats recovery and stress about expense.
Response from Spot Pet InsuranceMar 19, 2026
Hi Monica! We're delighted to provide you with the peace of mind that comes from knowing your pet's health is in good hands (and paws). If you ever have any questions or need assistance, we're here to support you. 🐾
SU
Susan
Fast & easy claims submittal
Extremely easy to submit claims and I was very surprised at the fast response time. I am very glad that I chose Spot for my dog's insurance.
Response from Spot Pet InsuranceMar 19, 2026
We’re delighted to hear about your positive experience with our pet insurance, Susan! Thanks for choosing Spot to protect your furry family.🐾
SU
Sunnie
Easy claim process
Easy claim process, friendly customer service!
Response from Spot Pet InsuranceMar 19, 2026
Thanks for being part of the Spot family, Sunnie ! 🐾
AM
Anna Marie L.
The claims are easy to fill out and…
The claims are easy to fill out and payment is pretty quick. I do wish we got more back or had more options for dogs that came to our homes a little later in their life.
Response from Spot Pet InsuranceMar 19, 2026
Hi Anna, thank you for taking the time to leave us a review! We appreciate your feedback and are committed to providing the best possible experience. Please reach out to us if you have any questions 🐾
JT
Jeanette T.
The process to submit claims is…
The process to submit claims is straightforward. The process is not drawn out and you will know in a few days if your claim was approved.
Response from Spot Pet InsuranceMar 19, 2026
We’re delighted to hear about your positive experience with our pet insurance, Jeanette! Thanks for choosing Spot to protect your furry family.🐾
SR
Sharonda R.
Spot Pet Insurance are liars, and thieves…
Spot Pet Insurance cs agents, are nothing more than a bunch of dishonest, money grabbing thieves…
I switched from my farmer’s insurance pet policy, to spot pet insurance, 6 months ago, because of the low premium cost..My Shih Tzu got an ear infection, I took him to the vet, had it treated..During the visit they suggested that he may have allergies, because he licks his paws excessively, which he doesn’t..His paw licking is an indication that he is in pain because of the ear infection..None the less, he was treated for the ear infection, and he received his annual rabies shot, during the visit..I was charged for a wellness check/ office visit..the rabies, shot, and ear infection treatment..I submitted the claim to pet insurance, the same day, along with his medical records..1 week later I received a email, notifying me that,,the claim was denied, because I had failed to send the medical records..I then made contact with them over the phone, and sent the medical records for the 2nd time, while I had the agent on the line,,she confirmed that she received the records….A week later, which is this morning at 9:00 am cst, I received a email..stating that the claim was denied..citing a pre existing condition..At this point, I am not only surprised, but also pissed..I called them up, asked them what pre existing condition caused them to deny the claim,,She said to me, in May 2022, the vet wrote in their notes, that Gabriel my Shi Tzu, had allergies..I said to her I have lived with him for 4 yrs since that visit, we go to the vet for scheduled wellness checks, and him possibly having allergies has never been mentioned again, in 4 yrs..I mentioned to her that, This is Gabriel’s 1st ear infection in the 5 yrs that I have had him, and that my claim was for the ear infection, the office visit, and the rabies shot…nothing else..In the end they denied the claim, and their reason for the denying it, was for Something that was not mentioned, or listed on the invoice..These people are liars, scammers, and is only out to take your money, they provide you with with a false since of security, through offering you low preniums and low deductibles …But in reality, they have no intention on paying any claims..For those of you on here, that are exciting about the cheap premiums...,It’s nothing more than their predatory marketing strategy..designed to steal from you….Don’t Fall For It..
Cancel your policies today, and get a policy thru a reputable company..Spot Insurance should be named…Spit Insurance, as they lie, cheat, steal, and spit in your face, with no hesitation
Response from Spot Pet InsuranceMar 20, 2026
Hi Sharonda, thank you for sharing your experience. We hear your frustration with how your pet’s medical history was interpreted and we never want a pet parent to feel dismissed or unsupported. Please know that all claim decisions are based on your pet’s medical records and the signs or symptoms documented by your veterinarian. Much like other providers, our plans don’t cover conditions showing signs before your coverage starts, as documented by your vet. That said, we understand how important it is that everything is clear and accurate. Our team would be more than happy to review your concerns and clarify any part of the decision or records that may not align with your understanding. You can call our team at 1-800-905-1595 (M-F 8am-8pm, Sat 9am-5pm EST)