Consumer
Ease of making claims
Ease of making claims; responsiveness and overall service.
Response from Spot Pet InsuranceJan 7, 2026
Thanks for choosing Spot to protect your furry family! 🐾

America'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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11,960 approved reviews, newest moderated first
Consumer
Ease of making claims; responsiveness and overall service.
Response from Spot Pet InsuranceJan 7, 2026
Thanks for choosing Spot to protect your furry family! 🐾
Drew Y.
Spot pet insurance is much more affordable than some of the other options out there, while offering a high quality product that has flexible options to meet the exact plan you want. Pros: - You can essentially create your own plan by choosing your own deductible and reimbursement percentage to get to a monthly premium that you're comfortable with. - The preventative care add on is something I found helpful since we take our dog in for regular check ups. - I have submitted a few claims already and never had any issues with reimbursement/coverage. You can configure direct deposit, and I've always gotten reimbursement within a week or so of submitting. - The app is easy to use and makes submitting claims very easy as long as you have proper documentation. Cons: - The only con is that they do work on a reimbursement method, meaning that you have to pay out of pocket and submit a claim afterwards to receive reimbursement. This can sometimes be tricky because when the vet is asking if you want to move forward with a treatment, you have to make a decision without having 100% confidence that it will be covered. Spot does have transparent documents that show what is and is not covered, but it can still be stressful to make the decision without 100% confidence. In my experience though, everything that I have expected to be covered was covered.
Response from Spot Pet InsuranceJan 9, 2026
Hi Drew, thank you for taking the time to leave us a review! We appreciate your feedback and are committed to providing the best possible experience. Please reach out to us if you have any questions 🐾
Ginger K.
It was a smooth, simple process to submit the claim. The turnaround time was better than expected.
Response from Spot Pet InsuranceJan 9, 2026
We’re delighted to hear about your positive experience with our pet insurance! Thanks for choosing Spot to protect your furry family.🐾
Shelley S.
I spoke to one of your representatives who went out of his way to help me get more money on my claim. I did receive 145 more. He was kind considerate and understanding
Response from Spot Pet InsuranceJan 9, 2026
Hi Shelley, We’re so glad you had a positive experience! Wishing you and your fur family good health.
Maria H.
You were quick to acknowledge the complaint and take action with your promt response. It’s a great insurance company, I highly recommend you,100%
Response from Spot Pet InsuranceJan 9, 2026
Thank you for your wonderful review, Maria! We're proud to offer a service that aligns with your expectations. Your support is truly appreciated!
Thomas
Exceptionally clear and timely in their reviews of claims, and eminently fair in their coverage decisions. Best insurance company I've dealt with!
Response from Spot Pet InsuranceJan 7, 2026
Hi Thomas, thanks for choosing Spot to protect your furry family! 🐾
Patricia L.
Medical issues concerning our pets are never easy especially when great expense is involved. It is an emotional time to be weighing the cost of service versus care of your pet. Knowing you have coverage for emergency costs is helpful. It took me months to submit my claim due to the emotional loss of my dog. The process was smooth and I felt compassion from those I spoke to that helped me through the process. Reimbursement was timely and so appreciated.
Response from Spot Pet InsuranceJan 9, 2026
Hi Patricia, we're incredibly sorry for the loss of your dog. Losing a pet is never easy, and our hearts go out to you during this difficult time. We're grateful that we could support you when it mattered most. Thank you for being part of the Spot family ❤️🐾
Louis S.
Quick response and the simplicity of submitting a claim. Outstanding phone assistance when needed. Outstanding email updates on the status of your claim.
Response from Spot Pet InsuranceJan 7, 2026
Hi Louis, We’re so glad you had a positive experience! Wishing you and your fur family good health.