Spot Pet InsuranceAmerica'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.
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Insurance · Tampa, Florida
Excellent
Insurance · Hallandale Beach, Florida
Excellent
Insurance · Jacksonville, Florida
Excellent
Insurance · MIAMI, Florida
Excellent
11,960 approved reviews, newest moderated first
Allen C.
Reimbursement rates are too low for wellness Cost for service is too high
Response from Spot Pet InsuranceOct 6, 2026
Hi Allen, 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.
E.
It was a straight forward process, the insurance representative reached out to the vet clinic for info for the claim. The refund was done promptly. Overall, from from the claim to payment was 1 month.
Response from Spot Pet InsuranceOct 12, 2026
Thanks for choosing Spot to protect your furry family! ❤️🐾
Jacqueline P.
Submitted 10 invoices from two different vet offices for the same incident (ER out of town and home vet). Received reimbursement as expected within 2 weeks. No hassle, smooth easy process.
Response from Spot Pet InsuranceOct 12, 2026
Hi Jacqueline, We’re so glad you had a positive experience! Thanks so much for being part of the Spot family 🐾🐾
Molly
Easy to file a claim. Reasonably priced insurance.
Response from Spot Pet InsuranceOct 12, 2026
Thanks for being part of the Spot family ❤️🐾
Joseph R.
Easy to send a claim
Response from Spot Pet InsuranceOct 12, 2026
Thanks for being part of the Spot family ❤️🐾
Karen J.
Spot always responds and reimburses quickly. The app is super easy to use. No complaints !
Response from Spot Pet InsuranceOct 1, 2026
Hi Karen, we’re grateful for your positive feedback! Our pet insurance is designed for reliability, and you can count on us for comprehensive coverage and unmatched support. ~ The Spot Family 🧡
Customer
Response time after claim submission was prompt. The company delivers good communication practices. I am glad I switched.
Response from Spot Pet InsuranceOct 1, 2026
Hi there, we're so glad to hear your claim process was quick and easy! Thank you for sharing your positive experience with us.
Amy M.
Not worth it. Even when you have a licensed veterinarian assess and diagnose an injury as a traumatic ACUTE ACCIDENT injury with zero prior conditions or symptoms in 2 year old dog. It won’t be covered under your ACCIDENT insurance due to their fine print. Save your money to pay for it yourself instead of being stuck with both insurance bill and treatment costs for your pet. They are a scam that functions off assumption even when the injury is deemed an accident off their provided definition. So far, having great response time through wagmo.
Response from Spot Pet InsuranceOct 1, 2026
Hi Amy, we’re very sorry to hear this was your experience. If you want to provide additional feedback or get more details about your claim, please do reach out: 1-800-905-1595 (M-F 8am-8pm, Sat 9am-5pm EST)