Spot Pet InsuranceReviews of spotpet.com

DEAR SPOT PET INSURANCE please read thoroughly when clients write an email to you. I am trying to be responsive by your inquiries and requirements asking for the medical records. And instead of reading through with I am asking, you guys will just send me an automated message and keep telling me I am not uploading anything. and If it was not an automated message, then you guys need to have better working staff. paying $140 per month for pet insurance and still getting this type of service? unbelievable! out of $890, I know I am only going to qualify to get reimbursed for $100 and this is ok! I was aware of it. but even for $100, they will make things superrrr hard for you to get it! if you can stay away from this company, stay away. they have horrible service.

I was dissatisfied with the customer service provided by Mathew at approximately 1:35EST on 1/2/23. I asked him why my claim was ineligible for reimbursement and he said because in April 2023 Lulu was treated for a cough and this was prior to her coverage which began in August, 2023. I pointed out that in July of 23 her diagnosis was for a respiratory infection and that now we have identified an enlarged heart as a separate issue. At 1 point Mathew said to me that I needed to get my times straight. The call ended with Mathew professing to take the matter back for research and calling me back. I found his tone and demeanor at the end of the call unprofessional.

Don’t expect to get anything reimbursed by this scam of an insurance company. They take weeks to get back to you when you submit a claim, they’ll ask you for records before your cat was even alive or owned by you, and then they’ll say everything is a pre-existing condition and not reimburse you any money. I will not be using this insurance anymore and I’m completely disappointed. Save your money and don’t use Spot.

I do not recommend Spot Pet Insurance. I got this insurance for my cat from Jan 2023 to Jan 2024. My cat was diagnosed with gingivitis in Dec 2023 and as a result teeth cleaning was prescribed by the vet. It costed me almost $600. And this insurance refused to pay because they believed this is a preventative care. Very unsatisfied and unhappy. I switched to Lemonade insurance. Lower deductible and they get back to you on your claims so quickly and they make it super easy.

I wasn't aware that they didn't cover allergies. That is a stupid policy!

It’s awful insurance. Do yourself a favor and avoid all the inconveniences of getting this insurance. It’s crap!

Tried to file a claim and they said I couldn’t file a claim within the two week waiting period. I have been with the company for seven months with my puppy. And because their decision was final- I now have to fight it with their insurance company Haven insurance. It has been over a month and I still have not heard a decision.

Submitted a claim for my cat, who was treated for fever, vomiting, & dehydration. They’re requesting medical records going back 2 YEARS. Anything to deny a claim I guess! My other cat came from a breeder with Trupanion, my experience with them has been much better. No requesting multiple years worth of medical records when I submitted a claim, no BS.