Spot Pet InsuranceAmerica's FavoritePuppy Insurance Click for Price >Spot Pet Insurance is one of the leading providers of customizable pet health insurance for dogs and cats across the United States and Canada. We're on a mission to help families get their pets the care they need to lead longer, happier lives together.
Spot Pet Insurance (spotpet.com) has 11,960 customer reviews on Five Star Index, with an average rating of 4.6 out of 5.
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Insurance · Tampa, Florida
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Showing 280 reviews with 3 stars · Clear filters
Victoria H.
It has been pretty good. I don’t remember them telling me you have to meet a deductible before you can be reimbursed. I believe to meet the deductible it is $800.
Response from Spot Pet InsuranceMay 27, 2026
Hi Victoria. We understand your concern and want to help address any questions you might have. Please reach out to our team at 1-800-905-1595 (M-F 8am-8pm, Sat 9am-5pm EST)
Roberta Y.
it takes sooo long to review you claim .it was about 8 days to review the vet bill .it is almost 1 month, and I still did not get the check.
Response from Spot Pet InsuranceMay 27, 2026
Hi Roberta. We continually strive to deliver the best experience and apologize if your recent experience with us have fallen short of that. We’d like the chance to clarify anything you may be frustrated about and encourage you to call our team at 1-800-905-1595 (M-F 8am-8pm, Sat 9am-5pm EST).
John F.
It sure seems that you cover little to nothing. I thought that when we got past just the typical preventative visits (they pay like 25% or less) I'd be better compensated but that is not the case. Disappointing especially given the high rating of this insurance. They responded to this and told me to check my coverage. Sure I'll go and check every possible thing that might happen to either of my two dogs. I'll get right on that!!
Response from Spot Pet InsuranceMay 20, 2026
Hi John, we try to be transparent in what is covered in each plan. We are sorry to hear you are not happy with your coverage and encourage you to reach out to our customer service team.
CF
As soon as I filed my first claim my premium went up by 33%. This is after a deductible and only an 80% reimbursement.
Response from Spot Pet InsuranceMay 12, 2026
Hi there, we understand how important it is to feel confident in your coverage and costs. Rate adjustments are not based on whether or not you’ve filed a claim, but on broader factors such as rising veterinary care costs and trends within your area. We’d be happy to review your specific policy details with you and provide more clarity. Please reach out to our team at 1-800-905-1595 so we can assist directly.
John B.
Coverage was ok.
Response from Spot Pet InsuranceMay 12, 2026
Hi John. We continually strive to deliver the best experience and apologize if your recent experience with us have fallen short of that. We’d like the chance to clarify anything you may be frustrated about and encourage you to call our team at 1-800-905-1595 (M-F 8am-8pm, Sat 9am-5pm EST).
RSC
All the hype to have this coverage. I paid more in my premiums that what I am going to be reimbursed. Still not sure this is worth it for the monthly cost +deductible +coins to get back what i got back. When i still have this policy until August I will still have paid more that the emergent service-+ sedation and tests than what I am being reimbursed for. The medicated food is not covered. Seems like if you find a reputable veterinarian that might be a better idea .
Response from Spot Pet InsuranceMay 8, 2026
Hi there, we are sorry to hear you are not happy with your coverage. For specific concerns regarding your claim please call our customer service team at at 1-800-905-1595 or email us at [email protected] so we can best assist.
Joselito G.
I ve been waiting for my reimbursement.
Response from Spot Pet InsuranceMay 8, 2026
Hi Joselito! Please call our customer service team at at 1-800-905-1595 or email us at [email protected] so we can best assist.
Janine A.
Your customer service is very good. And you are responsive to submitted clams. I would give a better rating but you are very expensive.
Response from Spot Pet InsuranceMay 4, 2026
Hi Janine, we appreciate your feedback and are committed to providing the best possible experience. We do our best to keep our plans as affordable as possible while still being able to support customers in seeking the best vet care. Please reach out to us if you have any questions.