Spot Pet InsuranceReviews of spotpet.com

Have 2 dogs insured both went to vet same day had same type visit. Dachsrivers reimbursement went great. JetroCoals is still up in the air somewhere.

I have tried calling the customer service line 3 times during the week. I have had no luck getting through to anyone after over 10+ minutes on hold. Otherwise I am happy.

They take forever to reimburse pet expenses from veterinarian visits. Alway want medical history records even though you sent them already.

One claim processed many outstanding No call backs as promised … hoping to resolve and get caught up

We've been with Spot for over 2 years and had other pet insurers previously. We switched because of a discount provided through an employer. What we like about Spot is that they have an easy claims process that you can complete through the app with 3 questions (type of service, full invoice amount, upload documents). There is no notes/details box so you truly need a fully itemized invoice that spells everything out for them. Customer service is friendly, but not always helpful as they don't re-review claims or accept appeals, only re-iterate what is seen on the documents you provided and go over what the EOB says, and the 800 number is the only avenue to contact them. They allegedly have vet reviewers for claims, but have fully missed "keyscreen" as a fecal test (quick search engine query of 'vet keyscreen' shows this) and don't itemize their reimbursements so you need to know your coverage to double check the math. The preventive care reimbursement annual limit amounts are a joke. You're likely better off paying out of pocket for those services and saving the additional premium $ Overall, the general coverage/reimbursement system does what it needs to and is usually frustration free, they offer several coverage options, easy navigation of the app and direct deposit of payments, and tends to be on the cheaper side for premiums compared to comparable coverage with other pet insurers. However, we would not have made the change to or stuck with Spot without the employer discount, find the preventive care options to be lacking in both coverage and reimbursement amounts, and have considered switching back to a previous pet insurer because of quality of customer service/hassle with missed things on claims.

I had so many bad experiences, submitting invoices and getting my money back. I almost never see not even 10% of what I paid reimbursed.

The monthly cost of your coverage is very expensive compared to the benefits. We're paying $55 per month for coverage that will reimburse only $70 for an annual wellness visit and rabies shot. Somebody's making a lot of money. But it's not your policy holders.

For the money that is paid i think that there should be a higher return for preventative treatments and visits.