Spot Pet InsuranceReviews of spotpet.com

Horrible company. My cat passed away earlier this week and luckily I was able to pay all of the costs but they denied every claim and their reason was “your claim wasn’t eligible for coverage” but I purchased the accident and illness coverage. We took him to the ER because he had 2 mini episodes of what looked like seizures back to back and we weren’t going to risk it progressing into anything else. My cat was diagnosed with HCM and never in his short life showed ANY symptoms of that condition. Unfortunately that is why it’s known as the “silent killer”. Also, no emails explaining in depth why it was denied. Not a pre-existing condition and was never seen for anything related to this. If I can’t trust you guys during this time, what makes you think I’d trust this rotten company with my other pets. The fake reviews are also such a red flag. Please, all pet parents, go ANYWHERE else but this company. I also called the company that handles the underwriting for them and their representative told me multiple times they had no record whatsoever on the claim that was supposedly sent by Spot.

They have denied all our claims with no reason given.

The things you have to go through to file a claim is horrible. My vet said they have never dealt with an insurance company that requires so much information. I am so sorry I chose SPOT for my dogs insurance

I need to submit a claim but it will not send.

No email communication and no weekend phone communication. I would like to cancel my pet insurance as this isn't worth my monthly premiums. Unfortunately I work many hours during the week and this is something I would like to take care of on the weekend.

I submitted a claim for a little over $1,000 for my dog's surgery. They rejected it falsely claiming they didn't have SOAP notes from the Mamaroneck Vet that my dog has not been to since 2018. They said they couldn't obtain records from 2021 that they needed. Obviously - he didn't go there in 2021! He attends a new vet closer to my new home and has been going there since 2018! They do not care to rectify the situation or help me. They just keep denying the reality of the situation. They do not help with anything and will avoid paying for reimbursement at all costs. STAY THE HELL AWAY FROM THIS FRAUDULENT COMPANY! I used to have Embrace and what a mistake it was to leave! ***Look at their response - vague and ridiculous. This was not a pre-existing condition. They turned down this claim because they are pretending they cannot access records in an effort to avoid payment.

You didn’t cover any of the most expensive cost that was deemed necessary by the vet, meaning you covered less than 40% of my out-of-pocket cost, despite me not being allowed to get medication without having the procedures done. I wasn’t able to speak with anyone or plead any sort of case, and there is no explanation whatsoever as to why the cost was not covered.

You should avoid this pet insurance like the plague. I got plans for my two Yorkies, Rex and Macie, and they denied all 3 claims for Macie due to ‘existing condition’ excuse. Complete and utter BS as this was the first time we took Macie to the vet and then a neurologist due to her front legs giving out while walking. We did take her, previously, years ago to have her hind legs examined. I called this morning (10/18) and got the run around. I finally had enough and told them to cancel both of my plans. Typical insurance company in America; take your money and then find any way possible to deny your claim. This world is great… DO NOT use Spot for your pet insurance.