Spot Pet InsuranceReviews of spotpet.com

They try their best not to cover your medical charges. My dog had a bacterial infection of the eye previously which was treated with antibiotics (did not have Spot insurance at the time). A few weeks later my dog developed allergies which manifested as eye redness but Spot did not want to cover the medical charges because they considered it a continuation of his bacterial infection several weeks prior. They proceeded to explain that they would not cover any eye inflammatory conditions for the next SIX months due to their policy. Waste of money - recommend going with other insurance companies.

Do not sign up for this pet insurance… They will use any excuse not to help you! Literally the worst pet insurance company. I would give negative stars if I could.

In your review of Spot Pet Insurance, you mention pre-existing conditions. We have had two claims disallowed due to definitions by Spot which have no clinical basis. The first occurred following dental procedures on our Sheltie. Her mouth is too small for all teeth and some were extracted. Spot disallowed the claim because, during a previous exam the vet noted in the medical record that the dog had a grade one dental condition - meaning there was tartar on the teeth. Spot said grade 1 indicated "severe dental disease" and disallowed the claim. Grade one is on a scale of 1-4. Spot has failed to provide their scoring algorithms. The second denial was again based on Spot's definition of a pre-existing condition. Thirty months ago, our Sheltie had an adverse reaction of the skin to a conditioner used following shampoo during grooming. Subsequently, we have instructed groomers not to use any conditioning products and there have been no issues. Earlier this month the same dog was treated for an ear infection. Spot disallowed the claim due to pre-existing conditions. Despite no entry in the medical record to support their decision, Spot determined that the ear infection was caused by the same "allergies" that caused the skin reaction thirty months ago. I believe this is a fraudulent way to avoid paying claims. Please add this practice to the "Cons" of Spot Pet Insurance.

Too new to recommend your firm to anyone! I submitted a claim so I'll see how long it takes for someone to get back to me.

I have had Spot insurance since 2020 and they have more than doubled the cost of my insurance. It is unacceptable. I do not recommend this insurance.

Spot refused to cover preventative care from a vet visit on May 3 because my policy was renews on May 8. They offer ZERO grace period for 5 days!!! I will be cancelling my policy and advising others on social media of the lack of integrity Spot represents. ADDENDUM TO RESPONSE FROM SPOT: Customer service provided no help to address my concern.

I signed up for my insurance online and didn’t realize my yearly amount allowd was only 2,500. I am extremely disappointed because when I spoke to someone on the phone they said that if I called and had made this choice I would never have had this mistake happen. I feel like I have been swindled and I am now told If i want to maka change I have to cancel my account. Super disappointed

My experience has not been good. They do not have an interpreter in Spanish to be able to speak with a representative. I have three claims that have already been processed and I have not received any money in a week.