Spot Pet InsuranceReviews of spotpet.com

Shame you can’t adjust your annual. Only way you can is canceling and rewriting a new policy, but then anything during the past is considered pre-existing.

you've asked me twice for my puppys medical history. I've provided it and you keep asking for records back to 1-1-25. He was born 1-31-2025 and i bought him when he was almost 5 months old. Right after that i took him for shots etc. That is his history

I though i was going to get $900 back but only got $700

Prior to picking SPOT, I had done A LOT of research. We picked this company because we felt it best fit our puppies needs and picked a plan based on past puppy experiences with accidents and illnesses, etc. I thought it was such a good plan we paid for the year in full to get the discount. The issue with pet insurance is once you pick one, really you're roped in for your pets life, because of 'pre-existing clauses', ect. They are always on the hunt for any reason not to pay you (which I understand in the big picture is likely necessary to keep the business afloat and all the insurances do the same). What has really disappointed me about this company is that they are a 'one allergy, all allergy' company, something that a lot of pet insurance companies are not and I did not consider in my research. When we adopted our puppy he had some skin issues, we eventually determined this was due to chicken allergy and cleared up the rash. A few months later he developed a new skin rash for which we took him to the vet and they said was due to seasonal allergies, something he will likely struggle with off and on for life. Spot insurance refused to acknowledge and take this claim on, even though the seasonal allergies developed well after our entry window, because the chicken allergy was present when we first got him they said any future allergies to ANYTHING will never be covered. This makes absolutely no sense to me other than an easy way for a company to scam you and get out of paying. Something I am also sure they likely do with many other conditions. Honestly, if I had not paid for this plan in full for the year I would have cancelled my plan and gone elsewhere, however, I am going to give them another shot with my second half of the first year that was already paid for and see if my business will be won back for another year... First 6 month review of the company is a huge disappointment.

For some reason agents kept telling me hadn't received my claims for almost 2 weeks. Then in same day 1 agent said had and another said hadn't received

Too expensive and not enough coverage, I will be looking for a more valuable plan for next year.

It has been 3 weeks still no payment very disappointing.

The amount covered by spot for yearly vaccinations is fairly low. The amount that’s covered by insurance only saved me very little from the vet bill I had for my puppies vaccine and yearly check up. Soot doesn’t give much for neutering my dog and nothing from my last vet visit went to my deductible. So I do wonder what the point of having pet insurance is right now