Spot Pet InsuranceReviews of spotpet.com

Been on hold on the phone multiple times for an hour. Every time I sign up for a call back somehow the call gets interrupted (I agree that could be my fault sometimes; never have I received a call back afterwards) Also I have a file to claim because my two new kitties that I adopted from the ACC were not totally healthy (unbeknownst to me). And the vet cost was over $1500 dollars. I signed up for SPOT insurance like 3 days before that vet visit and found I could still not be covered because the date the insurance is active isn’t until the end of the month. If I don’t get help for that claim with SPOT I’m leaving with a quickness.

Not responsive.

Same situation as others. Vet said sign up, they are a great service and can help you with your pet's cost over the years. However, months later, my dog gets really sick. They said it was a pre-condition. Which is totally untrue. Canceled the same day. Don't waste your time and money for services and payouts they control. Worse than regular human insurance "Obamacare" and that is saying a lot. Run from this spam! Again, they keep quoting pre-existing when in fact it was not! Do not believe them and just save up the money you would spend on your pet for insurance. All they do with it invest it and make their money so they can in return say that something was pre-existing. Jokers!

Very new to this pet insurance. Still haven’t received any type of confirmation on her insurance card or any type of number that I can give when visiting my pet veterinarian. Tried calling the customer service number 9 AM my time and the message said I am calling after hours I should be calling 6 AM till 6 PM mountain time? I just need to know what my policy number is so I can finally get my pet to get a regular check up and it seems I can’t get a hold of anyone plus your site doesn’t want to open so I can’t even log in.

I ended up paying about $2200 for dental extraction and cleaning for my older dog. After paying about $1200 in premiums I will only receive $150 back. That means that I ended up paying $3400 in total for the vet bill and pet insurance and will receive only $150 back. What I have found out after doing extensive research on pet insurance, is that its not worth it. Many insurances don't cover lab fees, x-rays or medications so when you end up paying a large bill you think you are going to get 80% back. That's not the case, make sure to look at what the insurance covers and their policy on preexisting condition. They will find any excuse to not cover majority of the cost, but what can you do? You already have to pay the full cost up front! and then you have to wait and see if some of it will be reimbursed?? If I had done better research I would have started a savings account where I could have put the same amount as the monthly premium into that account and made sure to have a credit card that I could use to cover the cost. I ended up paying an extra $1100 when I could have saved that money to pay towards my dog's dental procedure! They made an almost 100% profit. Pet insurance is definitely a scam. Much worse than having car insurance, only that with this you have a choice on whether to have it or not. Save your money and put it into a savings account for your pet!

Stay away from this insurance. They took away my whole $1200 they bended backward to find any loop in their policy NOT to cover my dog operation. Then they refund $4.50 out of my $2000 bill. I call this a simple s-c-a-m.

Doesn't cover even 50% of my wellness exam visits. Reimbursement has taken over 7 days. Pumpkin Pet Insurance is a better program for wellness and overall insurance product. I won't keep this policy/program after this year.

Spot insurance is a special business that does not have good intentions. My dog had a undiagnosed condition that they are calling a preexisting condition and are now denying claims. My Insurance started February 22 and the undianosed condition was supposedly December 1 after the dog went in for her shots and check up. In February we decided it would be good to have the pet ins as the dog was getting older. March 12 the dog went in because we thought she may have developed a thyroid disease. After a day of blood tests they dianosed her with Cushing's disease.What is written in a pets medical records and not revealed to the pet owners is a good reason not to get a policy from Spot Ins. They will not pay claims on undianosed conditions or for them what they claim is something was already preexisting conditions. i have cancelled the Ins after two payments asked for reimbursement a little after 30 days and they gave me the middle finger.