Spot Pet InsuranceReviews of spotpet.com

I am stunned to see such a fake high star number for this company. This is absolutely one of the worst insurance companies I’ve ever worked with. I regret switching over from MetLife to this company. They are a true example of a bait and switch company. I have a very healthy puppy and just went for a small scratch in her ear. They simply declined the claim pointed to some records that does not exist in the last two years. Do not trust this insurance company for your pet. *** Added after Spot's response*** Per my direct email to your team (after you tried to remove the review unsuccessfully, I asked 2 questions from your team, but you failed to respond- 1) why do you not have the 2-yr medical history as part of your requirement when you are signing up new customers? You bring that up after a few months of receiving the monthly fees and when there is a claim - that is a questionable practice. 2) you asked for medical records from March 2025 as part of the claim- yet, you dug deeper directly with the vet and went further back! Again, questionable practice. All this could have been handled a lot better - I hope your managment sees this.

The worst. The customer service is terrible. Documents won't upload. Representatives have heavy accents, and the calls cut out. It's beenover 3 months and many phone calls and they are still working on processing a claim. I don't want to do this, for what I hope will be at least another 10 years, so I'm going to search for different insurance. I loved Healthy Paws customer service, they just don't offer the higher coverage brackets.

Terrible experience, I had a claim denied for my dog. I appealed the claim after my dogs doctor wrote a letter saying the reason why spot “denied” the claim are false/incorrect medically. They still denied my claim. Sadly I think Spot is just in business for your monthly payment, not your dog’s health. They certainly don’t want to hear they are wrong from a Doctor! UPDATE….. Thanks for the below response, but I have already tried that. Your customer service couldn’t answer any of my questions. I have taken the necessary next steps myself.

I paid $900 a year steadfastly and loyally. Very disappointed in reimbursement on $2000 vet bills. Will not be returning

Sadly, here’s ANOTHER Buyer Beware review. If you are insuring a Rescue pet, and it didn’t come with good medical records(as most rescues don’t), SPOT is not the insurance to go with! Without proof that an issue wasn’t “pre existing” they will absolutely not help. Sadly, we had our rescue less than 4 or 5 months and she needed some care from previous neglect. We submitted our claim. Denied. Spoke to a Representative who suggested we appeal. Appeal submitted. Appeal denied. They labeled her situation as pre-existing. Our Veterinarian reached out on our behalf. No change. They offer zero support in these cases, so I’m here to say don’t spend your money here. We’ve set up an account that is just for our rescue. We’ll save money in there and THAT will be our “insurance” policy for her. Think twice if you’re signing up a rescue. P.S.-The experience date chosen is approximate because the process we went thru with these people was over a period of weeks:-(

My 2 fur babies passed away a month apart in August and September of 2025. I notice in July 2026 that Spot was still deducting from my checking account. When I brought this to their attention I received a lot of I'm sorry for your loss, but no refund!

Was not told about about deductible, it happened with the other dog, but thought it was met through our other dog. Very confused, with what little we got back might as well not have it. Very disappointed!

I can't log into my account, it always says a network error.