Spot Pet InsuranceReviews of spotpet.com

Not worth paying so much for when you don’t fully reimburse for the standard issues that happen multiple times a year or when we provide medical notes that say why our pet needs medication or procedures. Ie getting fecal test when our pet had diarrhea for a week wasn’t covered because they already had a fecal test this year.

So far they have barely covered anything. Not at all what I had expected. Will cancel subscription if the required surgery for my dog is also denied

Poor customer service and don’t reimburse for a lot of things.

Terrible. They deny your claim without an explanation. Unacceptable!

I regret going with Spot Insurance and paying upfront for a year. So far they have denied my claims, saying that it's a pre-existing condition. However, my cat was never treated for any of the issues before and the things he was treated for are in no way related to the claims I submitted. They make it impossible to get in touch with customer service to dispute a claim. Can't email or chat online - can only call. However, each time I tried to call I sat on hold for over 30 minutes before giving up. Do not go with this company. There has to be better options out there.

I filed a claim for my 7-month-old puppy at the end of August. When I was notified that additional information was needed, customer service informed me to get full notes from my vet and email them. My claim was denied because medical records were required for at least a full year, which didn’t make sense. After two weeks of no response, I called again and was told the claim would be reopened. However, after another week and a half, I was informed that the claim was not reopened. Finally, a third rep reopened my claim and ensured a follow-up. When I received a denial a few days later, it stated that I only had accident coverage instead of both accident and illness. I understand this, but why wasn’t this included in the original denial? Due to the poor customer service and inconsistent responses, I’ve canceled and gone to another service.

I recently file 2 claims for our dog. One for over $700 & one for around $300.I reviewed the claims and I’m only getting back around $400!! Not happy! I’ve been paying monthly payments for about 3 years now! Not happy with those results! I will be canceling your services due to that result!!

Spot insurance does a fantastic job when it comes to hanging up over the phone. If your pet has any chronic disease or god forbid they get the same disease twice like periodontal disease. Know that it will not be covered, any cash you pay for a disease that happens more than once, even if it is a year apart, will not be covered. Also know that their service line does not help customers, they love to hang up if they feel that you are frustrated. Obviously when you get hung up on it makes a person feel way more frustrated. Go figure