Spot Pet Insurance Reviews | Read Customer Reviews of spotpet.com

Spot Pet Insurance Reviews | Read Customer Reviews of spotpet.com

Spot Pet Insurance reviews

Showing 664 reviews with 1 star · Clear filters

Anthony S.
Sep 21, 2025
Consider an Alternative
Rates have gone up twice in less than two years, and the coverage is abysmal. $50 coverage for a $130 checkup?? I've been paying $80 a month for almost two years now and am seriously considering switching.
Response from Spot Pet InsuranceSep 22, 2025
Hi Anthony– We do our best to keep our plans as affordable as possible while still being able to support customers in seeking the best vet care. Rate increases account for increased pet age, advancements in vet technology and rising treatment costs, the general cost of care in your area, and several other factors. All premiums are based on rates filed with your state’s Department of Insurance, and we work to keep our premiums competitive. Please call us if you would like more information or options for your pet’s specific premium: 1-800-905-1595.
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amy K.
Sep 17, 2025
multiple claims denied that are…
multiple claims denied that are covered. for every time you submit a claim you have to resend medical history for every single vet visit your pet has been to in the past, Why don't they keep that on file? Then they deny it. waiting on over $1000 in reimbursement for covered claims that they are denying.
Response from Spot Pet InsuranceSep 22, 2025
Hi Amy, we continually strive to deliver the best experience and apologize if your recent experience with us have fallen short of that. We’d like the chance to clarify anything you may be frustrated about and encourage you to call our team at 1-800-905-1595 (M-F 8am-8pm, Sat 9am-5pm EST).
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Mark D.
Sep 14, 2025
Total scam
Total scam! Go with a different option. You end up paying MORE using Spot just to have a membership - they cover almost nothing.
Response from Spot Pet InsuranceSep 15, 2025
Hi Mark, we try to be transparent in what is covered in each plan. We are sorry to hear you are not happy with your coverage and encourage you to reach out to our customer service team
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Carol R.
Sep 6, 2025
Call me
Call me. Sent request. No answer. 8@82607397
Response from Spot Pet InsuranceSep 10, 2025
Hi Carol, we have sent this over to our team and they will reach out directly to address your concerns
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Chelsea M.
Sep 4, 2025
I’ve been a faithful costumer for 3-4…
I’ve been a faithful costumer for 3-4 years now and I find it ridiculous I only have a 2500 annual limit for reimbursement. My dog has a 8 thousand dollar surgery and I only get 1200 for it is insane. And I cannot adjust it higher. I’m canceling once my contract is finished. You guys don’t care about pets only want money.
Response from Spot Pet InsuranceSep 10, 2025
Hi Chelsea, we try to be transparent in what is covered in each plan. We are sorry to hear you are not happy with your coverage and encourage you to reach out to our customer service team.
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Rudy C.
Sep 4, 2025
Refuse to pay claims
Why do you guys use the same excuse to all your customers not to process claims . I’ve gave you all the records, receipts, photos and still you say you havent received them. My hospital tells me you guys find excuses not to pay claims. This needs to be reported. Im going on almost two months fighting with SPOT insurance.
Response from Spot Pet InsuranceSep 10, 2025
Hi Rudy, this is not the experience we aim to provide. Please accept our sincere apologies for any inconvenience caused. Our team is actively looking into this and will ensure your concerns are addressed promptly.
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Kainalu S.
Aug 29, 2025
SCAMMERS DO NOT BUY
Absolute worst customer service, when they can’t help/ don’t know the answer they just hang up. Also deny claims that are explicitly covered under the contract and again just hang up to avoid accountability. Do not buy this insurance.
Response from Spot Pet InsuranceSep 3, 2025
Hi Kainalu, we are so sorry to hear you've had a frustrating experience, as this is not the experience we aim to provide. Our team is actively looking into this and will ensure your concerns are addressed promptly
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Lois P.
Aug 28, 2025
I bought insurance for my dog
I bought insurance for my dog. Had two appointments the first was $650 of which they reimbursed $150 the second two weeks later for $1005 and they refused to reimburse me because they said it was not within the waiting period! This is ridiculous!!!! Poor customer service lies and they don’t care at all !!
Response from Spot Pet InsuranceAug 29, 2025
Hi Lois, 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, including our 14-day waiting period. For further assistance, please call our team at 1-800-905-1595 (M-F 8am-8pm, Sat 9am-5pm EST)
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