Spot Pet InsuranceReviews of spotpet.com

When I am not so upset, I will let you know

I submitted a claim over a eeek a d a half ago and every time I turn around you all want more info ! I have a puppy with zero issues and no real medical history yet you all want one ! Sorry I choose you guys

I’d give zero stars if possible. They have fought every single claim I’ve made with both my dogs tooth and nail. Their service reps have been rude, dismissive and condescending. When asking questions they talk over you and repeat unrelated information at you. The current denial of my claim is based off of definitions not included in my policy documents. I would not recommend them to anyone.

Did not cover yearly routine exam and shots. My vet is very responsible on all their billing. But Spot only covered about 25% of expenses. Pet insurance needs to be regulated like human insurance. Pay for preexisting issues, birth defects etc.. Have copays not pay then reimbursement.

This insurance is a scam. They did not cover any of my puppies new diagnosed problems. I turned in three separate claims for three separate issue. All three were denied without explanation. I emailed asking for explanation twice and received no response. Weeks later I got an email they are canceling my coverage. I never requested for it to be canceled, but I’m glad it was. It’s nearly impossible to communicate with the company. Don’t waste your money or time on SPOT Pet Insurance.

As I write this review, I am still on hold. My representative on their 32nd attempt to reach a supervisor with no end in sight. Essentially, I have two cats, both were recommended dentals. One was approved, the other denied. Their reason being that one cat has "Pre-exiting conditions" My medical records clearly state (from the shelter a month before I even adopted the cat) that there were some signs of gum issues, but dental was NOT needed. Upon adoption, we took him to our vet, who also said, dental was NOT needed, but prescribed dental food to help clean the cats' teeth. Three years later, the vet finally recommended that he get a dental. So, I submit an estimate and get denied because its "pre-existing" How its pre-existing when it clearly states he does not need a dental is beyond me. I then was told I can submit an appeal via email, I requested to just be transferred to someone who processed the appeals so I can speak with them as my pet needs surgery ASAP not in 7-10 business days when they answer an email. I was told that there is no phone number. So, I requested a manager or supervisor. This began what is now 1.5-hour phone call, where they have "called their supervisor" 34 times with no response. I have been offered a call back 10-12 times and denied them all. I am doubtful that there even is a supervisor and that they are just trying to see how long I will wait. Clearly their customers are not that important to them, neither are the pets they insure. I'd like to add, this comes after denying other claims that I was told could be covered and were not. But this is the most expensive, and by far the worst customer service experience I have ever had. This company is a scam, save your money and give it to someone who actually cares. Do yourself a favor and just put the $40 a month into a savings account for when your pet really needs it.

We have been paying over $100 a month to cover our two cats. They deny almost every single claim for things they claim are covered under our plan. An absolute waste of money. Because our cat had small signs of teeth tartar before we even adopted him they will now not cover a dental three years later because in the time we owned him and he has been covered he lost a tooth and developed periodontal disease. Couldn’t even speak to a supervisor when on the phone for over an hour.

This insurance is a terrible deal. Doesn’t reimburse 90% after meeting my deductible as advertised. Will be posting my experience on social media.