Spot Pet InsuranceReviews of spotpet.com

BEWARE! I got this insurance for my pet and when the time came to submit claims, I got rejected because underwriting was saying there was a pre existing condition which there was not. I honestly believe they make up reasons up NOT to reimburse you, please reconsider before purchasing this. Oh and to boot, their customer service agent did everything in her power to cover up why the claim was rejected, even lying about what the paperwork said.

Unfortunately, my experience with Spot Insurance was deeply disappointing. After insuring my cats, Gwendolyn and Wessley, and submitting multiple claims for each, all were denied with explanations that felt dismissive and inconsistent. Despite my appeal and supporting documentation, their resolution process felt more like a formality than a genuine review. Customer service was polite but ultimately unhelpful, and the outcome left me with little trust in the company's integrity. I’ve since canceled my policy and will not be insuring any of my pets with Spot again. I strongly recommend looking elsewhere for pet insurance that’s fair, transparent, and dependable.

I submitted my first claim for my dog's sick visit to a clinic which was denied within a matter of days without any phone call to me due to missing vet exam notes. I made multiple calls and emails to Spot confirming the vet had sent the exam notes and the claim would be reopened. The reps confirmed receipt of the notes. When the claim was not reopened as promised after 6 more days, I called again. This final time I called the rep said they never received anything which was a complete contradiction to the previous calls I had made. I cancelled the policy at that point since it was such a massive hassle on the very first claim. Waste of money on premium payments.

As my much as I pay each month, I feel it’s not worth it. I haven’t submitted a claim on my dog in a year yet pay approx $50/month. I just submitted a claim for over $300 and barely got $100 covered.

My premium went up roughly 20% with no notice and then a wellness check for my older dog was denied because we also got blood work done to check on liver levels, which were elevated a year ago. I brought this up to the company and said I could have taken my dog in for two separate appointments,(wellness check, and then go back for a blood draw) but that causes extra stress on my dog. Spot Pet Insurance said they want to do everything they can to make their customers happy, but they wouldn't move off of this claim. Clearly they don't want to do everything possible. It was a simple request given I've paid them thousands of dollars. Even if I had not have paid a lot of money already, it is still a reasonable request.

It is really hard to get any payment from the insurance. If I could I would give 0 stars to this particular company. I deeply regret I chose Spot Pet Insurance for my cat and spent tons of money on monthly payment instead of paying out of the pocket in the emergency case.

Your technicians are really not great at their job nowadays. I have had to jump through so many hoops for 20$ off my heartworm test. Meanwhile we pay you hundreds of dollars and you’re going to nickel and dime your customers for 20$? The first tech couldn’t understand how annual wellness bloodwork included heartworm, so fine, I get the SOAP notes to prove there’s heartworm testing. Only for the second person to tell me I need an invoice showing payment. AS IF THAT WASN’T ALREADY SUPPLIED!! The lack of thought by your employees is quite frustrating. You charge so much and we get so little from the start. Just to have to fight tooth and nail for 20$ off our heartworm test, which by the way doesn’t even cover the entire cost of the test.

I am beyond disappointed with Spot Pet Insurance. They are nothing more than a scam designed to take your money without providing the service they promise. Despite submitting all required documentation multiple times, they denied my claim with the excuse that the records were not provided—this is an outright lie. I personally submitted the paperwork multiple times, and so did my regular vet, the emergency vet, and the specialty vet. I was BCC’d on every email they sent to Spot, so I know for a fact that all the required records were submitted. Yet, Spot still denied the claim, saying they never received the records. This is completely unacceptable and unprofessional, and it proves that Spot Pet Insurance will do everything they can to avoid paying claims. They are taking advantage of pet owners during stressful and emotional times when their pets need care the most. If you are considering Spot Pet Insurance, do yourself a favor and look elsewhere. They are dishonest and will waste your time and money. I would give them zero stars if I could. Avoid Spot Pet Insurance at all costs!