Spot Pet InsuranceReviews of spotpet.com

This insurance company looks for every opportunity to deny valid claims sighting one off comments as entire reasons to deny completely unrelated claims. They denied that my dog's claim for a needed surgery sighting "allergies are a preexisting condition" as the reason for the denial when the allergy to eating beef had nothing to do him developing a hematoma. Genuinely horrible to work with.

Was informed my reimbursement check can be voided and sent to a new address, but that it could not be directly deposited into my account even after inputting my banking info in the system. Huge inconvenience.

Very bad. Dont bother taking your pets insurance with these scammers.

I submitted for the years for June 2025 through June 2026 for over $1.500 of claims and they paid me $25.00 yes Twenty five dollars. They said that rest had PREEXISTING CONDITIONS. I can not believe that I am the ONLY PERSON THAT DIDNT GET THEIR BILLS PAID.

If you are not willing to service ALL of Canada then just don't bother coming to Canada at all. USELESS.

I’ve been a great member for 2 years and have always paid my premiums on time, but the moment I submitted a major claim, they completely failed me. I submitted an authentic, direct invoice from my vet. Because the bill had split charges—an initial charge and an additional charge from the same visit making up the rest of the total—Spot's claims department lazily called the vet, only verified the initial amount, and immediately slapped a "Determination of Fraud" on my account and canceled my policy. They didn't even bother to look at the final, itemized ledger or reconcile the total amount. Instead of doing a basic billing reconciliation, their immediate default is to call their paying customers liars. I have provided the complete ledger and bank statements proving the full cleared payment. I will be taking my business to an insurance company that actually values its customers and handles claims with basic competency. Save yourself the stress and the insulting accusations. Avoid Spot Pet Insurance at all costs.

I had Spot Pet Insurance for six months before filing my first claim for my dog's ear infection. I submitted all of Milo's veterinary records, including his last exam from June 2024 and his July 2025 vaccination records. The problem was that his previous veterinary clinic permanently closed in July 2024, so Spot couldn't request additional records directly from them. I explained this repeatedly, both by phone and in writing, but after more than a month, my claim was still denied for "insufficient veterinary records." Customer service was slow, unresponsive, and unwilling to acknowledge that the clinic no longer exists. If a claim can be denied because records are unavailable from a permanently closed clinic, I have no confidence future claims would be handled fairly. I canceled my policy.

The most frustrating pet insurance I've ever had! Their selling point is that claims are supposed to be easy to process and that could not be farther from the truth. My dog has 2 pre-existing medical conditions. He had them when I started my previous 2 pet insurance policies from other providers. Both previous providers gave me a written list of his pre-existing conditions so I was clear about what would and would not be covered when making claims. After my very first claim was denied based on a pre-existing condition I asked them for a list of all the pre-existing conditions they had for my dog based on the medical records I provided and they told me they cannot give me that. What?! They said each and every time I file a claim someone is manually reviewing his 11+ years of medical history (no wonder it takes them WEEKS to even look at a claim!). And now every review a claim is subjective as different reviewers may have different opinions about his medical history. Or worse, just have no idea how to read medical records and claim that my dog was diagnosed with a condition that the notes actually say the doctor was RULING OUT! So unbelievably frustrating! Additionally they are constantly requesting new medical records even through they have my dogs full history. With my last 2 pet insurance plans all I ever needed to provide was an itemized invoice from my visit. Spot will not process a single claim without the detailed medical notes from every single visit, which leads to even longer delays in processing. Switching to Spot was one of the worst decisions I've ever made. I would not recommend them to anyone!