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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11,960 approved reviews, newest moderated first
Andrea H.
I am very pleased! I filed my claim for Chloe and received payment within a week. And Chloe has made a FULL recovery. It was simple to file and was handled with compassion and urgency.
Response from Spot Pet InsuranceJan 28, 2025
Hi Andrea, We’re so glad you had a positive experience and got Chloe the help that she needed! Wishing you happy wags! ~The Spot Family ❤️🐾
Casey M.
This pet insurance company has deliberately misleading language in their online sign up process relating to waiting periods. They state that you may not file claims for any condition treated during the waiting period. This would mean claims would be denied if they took place during this period. I found out today that in reality any condition DISCOVERED during the waiting period will not only not be covered for the visit, but will also be logged a pre-existing condition for future denials, even though it occured after the start of the plan. Now with a 180 day term for a consideration of not being pre-existing, our dog has a monthly preventative prescription that will NEVER be covered because Spot relates to that keyword in her diagnosis. Furthermore I am now permanently stuck paying out of pocket with no insurance coverage since at this point these are now all 'pre-existing'. Absolutely heartless scam artists.
Response from Spot Pet InsuranceJan 24, 2025
Hi Casey. We understand your frustration for any disappointment with your recent claims experience. Pre-existing conditions are commonly excluded in the insurance industry to ensure fair coverage for all and are detailed in your policy documents. Our team is here to provide support and answer any specific questions you may have at 1-800-905-1595.
Tracey H.
Fast and easy process. Each claim ever submitted has been handled quickly.
Response from Spot Pet InsuranceJan 28, 2025
We love hearing this, thank you for sharing, Tracey! Wishing you and your fur family good health. ~The Spot Family🐾🐾
Kady H.
Spot Pet Insurance has a 14 day waiting period between the time you purchase the insurance and when you can actually use it. If this was mentioned up front I would NOT have signed up. Since my pet had an appointment in the waiting period it's going to be considered a "pre-existing" condition. I would have to wait 180 days to see if it would even be covered because of this. Pardon my French but this is completely BS. They thankfully will be refunding me my initial payment for signing up but now I'm out $360 for a rule that they were not transparent about. New pet owners, DO NOT GET SPOT!
Response from Spot Pet InsuranceJan 31, 2025
Hi Kady, we understand the frustration when claims are denied. We do our best to be transparent regarding our waiting periods, and apologize for any disappointment with your recent claims experience. Our team is here to provide support and answer any specific questions you may have at 1-800-905-1595.
Brenda K.
Every time my dog needs to go to the vet for illness or check up I never have to worry. I just pay for it get a receipt and se d on to spot, I usually have my money back in three days. I have chosen 80/20 monthly cost is reasonable. I am so glad I find a good pet insurance for my dog.
Response from Spot Pet InsuranceJan 28, 2025
Thanks for choosing Spot to protect your furry family! 🐾
Donald P.
Don’t cover everything but it’s nice to have when needed
Response from Spot Pet InsuranceJan 28, 2025
Hi Donald, Thank you for sharing your experience! Please reach out to us if you ever have any questions. ~The Spot Family🐾🐾
Sheri A.
Spot is a good company. Reviews are quick as are the reimbursements!
Response from Spot Pet InsuranceJan 28, 2025
Hi Sheri, We pride ourselves on providing exceptional service, so we're very happy to hear this has been your experience. ~The Spot Family🐾🐾
Traci W.
If I could leave NO stars I would!! NO transparency-- they denied my claim because my 18 month old did not have a full dental cleaning on file... she had a BOAS procedure after a consultation with a specialist (she's a Frenchie) but they considered it a pre-existing condition because she was treated for a upper respiratory infection a year ago. This company is a racket and will find ANY loop hole to NOT pay your claim!!!
Response from Spot Pet InsuranceJan 27, 2025
Hi Traci, we’re very sorry to hear this was your experience. If you want to provide additional feedback or get more details about your claim, please do reach out: 1-800-905-1595 (M-F 8am-8pm, Sat 9am-5pm EST)