Spot Pet InsuranceReviews of spotpet.com

Don't get spot pet insurance. This insurance company never approve any claim even it is valid and not pre existing. YOU ARE WASTING YOUR MONEY IN THIS COMPANY. IF YOU DONT BELIEVE ME CHECK THE CONSUMERS REPORT. THIS COMPANY SCAMS THEIR CUSTOMERS.DONT ADD YOURSELF TO THE PEOPLE THEY HAVE VICTIMIZED.

Really slow on updates. Always finding a way to not pay a vet bill. Takes too long for reimbursement if a vet bill does get paid.

Terrible experience. Have used this company for years and my claim was denied with no explanation or request for more documents. To think that your dog needs an annual exam and can not get any coverage is horrible for a pet owner.

About to cancel. Exempted items, plus Deductions and a 90 percent of remained sounded tough. But after constant price increases over the years (7 years) payment comes out to right under $100/month, and on a first bill of 1300 I only got reimbursed for $800. Math doesnt add up

They cover very little, charging over $300 a month, and with s9 many 1 star reviews how in all that is holy can they claim 4.7 stars !

Terrible — this is completely useless. You are literally paying for nothing. My advice: build your own savings account for your pet’s vet expenses. They backtrack for at least a month, and after waiting that long, they ask for additional documents from your vet. It’s simply ridiculous. The customer service is a joke — poor people working at this company, powerless and helpless. STAY AWAY. In Canada, your best options are TrueCompanion, Pet Plus, or simply using your own money. I spent weeks comparing plans and deeply regret choosing Spot On. Don’t do it.

Really disappointed in the coverage. Cancelled my coverage. My dog started to unexpectedly vomit and they are claiming it is not an accident. That should absolutely be covered in the premium I pay. I am also not interested in paying nearly $100 a month for them to also cover my pet's "illness," that he actually doesn't have. They're calling it an illness and it's not an illness, it's an unexpected turn of events because he was vomiting blood. Well, they don't know that. he was vomiting blood. They are scamming people. Just save your money people and go with healthy paws. I have never had them deny claims, but they are nearly as expensive.

I’m devastated by how Spot handled my dog Lilly’s claim. They denied it saying she had already been “diagnosed with an incurable kidney disease,” which is completely untrue. In June, Lilly only had slightly elevated enzyme levels — no diagnosis, no treatment, and no indication of kidney disease from her veterinarian. I switched to Spot because my previous insurer discontinued her policy and I wanted to keep protecting her in her final years. Instead of compassion, I received a denial based on false assumptions. Lilly is now gone, and the pain of losing her is already unbearable. What hurts even more is knowing this company made it worse — turning my grief into a battle to defend the truth. No pet parent should be made to feel guilty or dismissed when all they did was love and care for their animal. I hope Spot learns to treat families with honesty and empathy. 💔 — Jenny Naranjo