Spot Pet InsuranceReviews of spotpet.com

Very deceptive in its practices when you sign up

One of the worst experiences…. We had them for over 2 years. Every time we tried to put anything in we could never get someone to talk with. Paid $60 per month. Nothing big with surgeries or anything but not once did the cover anything. No problem we got burned. Then we canceled n you would think they would stop charging. Nope!!!! They stop n then started hitting our card again like trash they are n probably do this to lots of people that don’t pay attention to credit cards. This is the 3rd time. Stop ripping people off… you are such a scam n I will make sure everyone knows!!! You are a scam to take advantage of our pets/family members. Typical insurance company. Trash.. stay away!!!!

SCAMMER ALERT!!!! SPOT PET INSURANCE IS A SCAM! DO NOT USE! Purchased a wellness and accident policy. SPOT denied the wellness claim. Anaplasmosis was found during the Wellness. SPOT REFUSES TO COVER THE ILLNESS BECAUSE IT WAS FOUND IN THE WELLNESS CHECK, SAYING IT WAS PRE-EXISTING. SCAMMERS, SCAMMERS, SCAMMERS! DO NOT USE SPOT PET INSURANCE!!!!!! To Spot: Don't bother with the canned answer that means NOTHING! You screwed me!

Incredibly disappointed in how a presurgical exam, which is required for neuter/spay was denied as it is considered a preventative exam and therefore counts as a wellness exam. So if your dog received an annual exam within the same year it will be getting spayed or neutered, know you will have to pay for that out of pocket.

Had expensive medical bill including vaccinations as well as other services and only pay insurance payed $20. It would be cheaper just to open a savings account and save the monthly costs for future use rather than just continuing to pay insurance.

This company is horrible! What a scam they pull. We adopted a Golden Retriever in July 2024. Purchased pet insurance from Spot and chose “Accident Only”. We passed all waiting periods and made monthly payments on time. Cut to March 2025, my dog became injured in the backyard after his morning walk. He was playing and running, and slipped in the wet grass. He then became unwilling to stand and unwilling to walk as the afternoon progressed. We made the decision to take him to emergency vet where radiographs were taken and pain meds and anti inflammatory given. We then submitted a claim which was promptly denied as we didn’t provide an “exact and specific time” for the incident. We immediately appealed and provided ALL of his medical records AGAIN (this was also done at the application time). The appeal was just denied. What an absolute bait and switch this company pulled. Be very aware of doing business with them.

My policy has increased 50% for a single cat that hasn’t had any claims since starting with this company. I reached out and was told the increase was "necessary due to either the age of your pet, advances in veterinary medicine, or an update to the coverage that your policy provides". I compared the new policy to the last and there was no change in coverage. My cat is 12. The premium went from $742.92 to $1,113.72. In my opinion they are preying on pet parents. If you already have a policy, be sure to login to the site often and diligently check your mail towards your annual date because your payment could increase over $30/m.

My dog recently had an issue with an abscessed tooth, which she is still being treated for. The company has repeatedly denied insurance claims, citing a pre-existing condition, because the vet records show she had plaque on her teeth and gum disease signs in the past. The vet has confirmed these are not related and information has been repeatedly provided to Spot, yet they are still refusing to reimburse the claims. There will be other claims coming as well as she is still under treatment that I'm sure will be denied as well.