Spot Pet InsuranceReviews of spotpet.com

I am paying a lot for insurance and the insurance didn’t even cover 25% of the cost of the preventative care visit, vaccine or bloodwork. It is not worth the money to have this insurance.

I don't recommend Spot Insurance to anyone, I turned in 1 claim out of 1500.00 they paid 150.00. It took forever for even getting that. They kept saying they needed more records, and even put down a vet I had never used and said they were waiting on those records. I said I've never used that vet, and they said would be another delay to get that vet removed that I had never used. No -one knows what the other is doing their no employee communication. I've canceled and don't recommend. Only gave 1 star so I could leave review😡

They have been not processing my wellness claims for 2 years even though I submitted the invoice backup. They keep saying I need to submit additional invoices. There are no additional invoices my Dog has only one wellness visit yearly so there is only 1 invoice.

I do not like your claims person handing my first claim on arrow. I gave all the records the breeder had from Feb 27 his birthday to June 7 my “get him” day. Puppies do not have much more than a shot record and a simple write up they are I good health if they are. And arrow was and is. I took him immediately for an exam 3 days after getting him and he was in perfect health. i sent in those exam notes and all soap notes it’s well. You paid this routine claim. Then I sent in all of the emergency claim medical records including x-rays and soap notes from the non-routine claim. You refuse to pay this claim bc you want health records that you already have and records that do not and can ever exists. I have acted in good faith. You have not. I wish I’d never heard of you. I’ve had 4 puppies with the same exact medical records coming from the breeder and never had a problem with other insurance companies. I need you to do the right thing and pay my emergency claim as I have provided all the records from that and all of his medical records en todo again. I have fulfilled every obligation yet you ask for things no one would have. Like you are looking or any reason not to pay a claim I have coverage for. Looks like a bit of “false advertising” to me. I am paying for coverage and providing all there is medical record wise in good faith. This claims person seems to either not know how to do their job or they think we have meticulous volumes records on healthy puppies before we get them. It’s like the only way I’d get emergency coverage is if I’d bred Arrow myself. Which is nuts. I have called and been assured everything is fine and you have all you need. Then I get more nasty grams asking for things you have or don’t exist. It’s like a bad movie.

Terrible, hard to get them to cover anything, would go with a different company.

Despite their advertisement, they will not cover your pet's medical issues. I had to file a formal complaint with the Department of Insurance in order to obtain reimbursement.

If I could do less stars I would. I submitted my claims which should have been covered but were all immediately denied. Waste of money.

Got the insurance for our puppy at 12 weeks old. Price was $52.80 a month. We have had it now for a year and have had our dog cared for by the vet for shots along with micro chip and spayed. Beware everything is itemized and will place charges under different items than you think they might be and will send the rest to a deductible. We have paid $633.60 for 12 months and have sent in bills for $1433.00 for care that was not out of the ordinary and recieved back $110. What a Scam! Take the $633 a year or whatever it is and invest the money. You will have a better outcome on your return. Just another insurance company looking to screw you over. STAY AWAY!