Spot Pet InsuranceReviews of spotpet.com

Horrible. I have been paying pet insurance for 10.5 yrs My little guy is relatively healthy I just submitted a claim for 417, 250 will be deductible and the vet exam will be deducted so I would probably end up with $70. They are now deciding to do a medical review since since 2014 for the less then 500 I have received over the yrs. DONT CONSIDER THIS INSURANCE. AWFUL

They wont cover anything. Wiggle out of any claim. I had their insurance 8 months or so and paid $4,500 on my vet bills without ever getting a penny from them. It just made all the process of having bet problems worse cause in addition to paying $4,500 out of pocket I had to have tons of conversations, send them vet bills, write appeal letters and get repeated annoying denials. Also they said it was preexisting, but they denied my claim because they said an ACL tear in a 3 year old dog is an illness not an accident and I didn’t have an illness plan. Even my vet said she had never seem claims like this denied for this reason and she personally called them to say she disagreed.

Purchased insurance for my cats. Took them to the vet for illness. They claim 1 day decision time on claims. Took about 5 days. Bill was $284.90 with a $100 deductible with 90% reimbursement. Covered no part of the bill and even managed to claim that I didn't cover the deductible despite that the bill was nearly 3x the deductible. For my other cat, insurance was purchased around 10 months ago. Made a claim on it which surpassed the deductible. Still says $0 of the $100 deductible has been met. **In response to calling their customer service team, I have. They lied to me multiple times and made up lame reasons for declining coverage- somehow an examination fee (the fee the vet charges to examine the pet) is a "pre-existing condition"? I explained that to them but they continued to stay that is a pre-existing condition. Somehow a test that diagnoses them with a new condition that they never had is also categorized as a "pre-existing condition". I called her out on this. She hung up on me. Scam company. Only sign up for their coverage if you want to throw away your money.

Cost me more to pay for the Preventative plan than I am reimbursed and the claims aren't even processed correctly. Math should be a requirement when doing this job. One of my pet's went in for Routine shots, we found out he had a fever so the doctor would not do it. I sent the claim in (for exam and antibiotics) and they took almost 2 weeks to verify that he was not a patient at my other animals vets even though I clearly stated it , they were scouting for pre-existing conditions for a fever? Clearly the claims are processed by AI first and when I called and talked to a human I got the run around and nothing but “canned” customer service responses. I have been nothing but aggravated when filing routine exam claims for my 4 pets. God forbid if a real illness or accident occurs. Do the math do not bother with the preventative, the cost these days doesn’t pan out you give them money and you give the vet, you will always end up in the red.

Still haven’t received my first reimbursement after 3 tries. Always an issues with the check or the mail or direct deposits. Feels like a scam. To add insult to injury I get celebratory emails that say Ive officially received more reimbursements then I’ve paid into the plan making it all worth it. The number quotes is WRONG and I’ve actually received $0.

I just joined Spot recently after seeing good reviews but wish I did not. It took forever to get reimbursed. I had to call at least five different times talk to five different people that all told me different things about my claim...Always some type of problem. Finally got reimbursed a month after several phone calls and filing several different claims! Not a good experience at all!!

Communication is incredibly poor. I’ve been attempting to resolve an issue for weeks now and haven’t gotten any help or responses.

This has been the worst experience with my puppy! I specifically researched and chose Spot insurance based upon the reviews and their dental policy for my Yorkie. She was diagnosed at only 1 year old with enamel hypoplasia/hypocalcification and had to have 6 teeth extracted. Spot denied my claim as "pre-existing" because at her first 8 week old puppy check, she was shown to have teeth coming in. Not diseased teeth, just teeth starting to come. Apparently having teeth is considered to be a "pre-existing condition" to dental coverage, so don't be fooled by this scam!!