Spot Pet InsuranceReviews of spotpet.com

DON’T GET THIS INSURANCE. Read the reviews on consumer affairs - they are all true! Check BBB - they have a lot of claims against them that are not resolved! Be smarter than us - those who wasted time and money! The email that Spot provides to contact them on Google review is not “monitored so we won’t be able to respond to your message.” Their call center is in India - they won’t help you. I paid the full annual premium in April. My chocolate Lab got sick—vomiting, lethargic, and wouldn’t eat. A LAB THAT WON’T EAT. I took him to the ER, where the vet suspected he swallowed something and ordered X-rays. Their reimbursement? $0. No explanation. No email telling me why. No way in the app to even question the decision. No way to resolve it. Absolutely ridiculous.

They take forever to pay out claims and it’s ridiculous. It’s very expensive too

Extremely unresponsive on managing an outstanding claim.

This company is an absolute SCAM! Do not trust these people to provide you any kind of coverage or support even with a policy. I had an accident and illness policy and my pet fell ill. They had to stay in the hospital and eventually passed away. I spent around $14K and supposedly had a plan of 70% reimbursement up to $7K that I was paying $92 a month for. Well, they found some loophole to decline my coverage so not only am I have to go through the grieving process I also have to figure out how I am going to pay all of this back when I thought I had money coming to me from Spot. Liars!

The website says that you will be reimbursed within 48 hours. That is a lie! Once your claim is received, it takes 2-4 weeks to be processed. Once it is processed THEN the reps claim that it will be 48 hours. The reps barely speak or understand the proper use of English. They make attempts at reading the script on their computer screen. It is very difficult to carry on a conversation with them.

My experience with Spot Pet Insurance has been extremely frustrating. They did not pay the expenses I submitted, and when I decided to cancel my policy, I discovered that actually cancelling it is incredibly difficult. I have tried repeatedly to contact the company. The phone has gone unanswered, and on one occasion the call was simply hung up on me. There appears to be no straightforward way to cancel the policy online, and the company has made the process unnecessarily difficult and frustrating. A customer should not have to spend hours trying to cancel an insurance policy or worry about being charged simply because the company makes cancellation so difficult. At this point, my only remaining options appear to be filing a complaint with the Better Business Bureau (BBB) and contacting my credit card company to prevent further charges. I would strongly recommend thinking twice before purchasing a policy from Spot. Based on my experience, the customer service and cancellation process have been unacceptable.

This company is a joke! They denied my claim for a CT that my Labrador needed to figure out what was going on with his right hind leg. My vet sent in a VERY detailed explanation for the reason of my dogs “lameness” that had to do with a probable CCL/ACL tear with a positive sedated drawer test. They eventually did the CT scans and found a herniated disk. He has NO pre- existing conditions related to a herniated disk. Find another insurance company!!!! They will not cover diagnostic tests to actually find out what is wrong with your pet. I’ll be looking for another company to cover my dogs.

Did not order. Don’t bother getting a quote cause they will just bill you