Spot Pet InsuranceReviews of spotpet.com

All pet insurance companies are trash. I started policy 15 days before I can actually pick up kitten from breeder so that she could be covered for 6 hour drive home and had to cancel because they called me to ask questions and said the 14 day waiting period begins after I pick her up. Despite the "30 day satisfaction guarantee" they allege they will not refund full price, they will charge me for the day of insurance.

All the reviews looked great until I actually received this insurance. I took my dog in for a tummyache during the first two week waiting period, and understood he couldn’t get it covered during that time. However, I was shocked to hear that SPOT pet insurance we consider that a pre-existing condition. That’s right...an upset stomach from eating grass (new dog owner so didn’t know this is common), is considered pre-existing condition, which meant that for the next SIX months they wouldn’t cover any medical accident or ill as involving his stomach. And then, when I politely asked to cancel my insurance, I got an automated response telling me that it was canceled. Yes that is what I wanted, but to not receive a personalized message or at least an attempt to keep me as a customer or understand the problem was wildly disappointing. Would absolutely not recommend. EDIT: in response to their response, It’s one thing to respect a user’s desire to cancel, but whether a company tries to keep their customers and actually fix their issues before letting them go says a lot about their customer service philosophy. And regarding the pre-existing conditions, the issue is the fact that you would consider an isolated upset stomach situation as a pre-existing condition. I hope others have had a better experience, but regardless I recommend the company take ownership over their areas of improvement.

I wish I could say SPOT will have your back, but I can’t… We purchased the policy when my puppy was 3 months old. He got into trouble and swallowed rocks twice: once before and once during the insurance waiting period. The first time, he went to the ER for an endoscopy to remove them from his stomach. The second time the Dr made him puke it out. He had diarrhea for a couple weeks after due to all these procedures, but it went away after some time. It was all paid out of pocket ($4K) because the policy wasn’t active at this time. Too bad timing didn’t work out but that was the rules we agreed to, no hard feelings there. After the waiting period was over, our dog started causing destruction around the house when left alone. He bit entire corners off the walls and literally ate two holes through the wall when left alone inside a gated kitchen for less than 1 hr. We consulted with the vet and they wrote a letter diagnosing separation anxiety and recommending behavioral treatment, which SPOT claims is covered. We submitted the letter from the Dr and letter from an animal behaviorist outlining a treatment plan to SPOT for approval. They denied coverage claiming that eating rocks when he’s with us is a sign of separation anxiety and is therefore a pre-existing condition. I argued it is unreasonable to claim that a behavior observed when accompanied is a symptom of separation anxiety, but they disagreed. They also disagreed with the Dr’s letter that, literally and word by word, states the diagnosis for separation anxiety is unrelated to eating rocks. SPOT formulated their own diagnosis for my dog that justifies rejection of coverage and denied the claim. At some point the diarrhea came back and lasted for weeks. The vet put him on medication for a month but wasn’t getting better so they recommended doing a full blood panel to diagnose any physical issues. SPOT rejected coverage for the vet’s medication, the blood panel and diagnostic tests claiming that because he had diarrhea before, it is a pre-existing condition and no treatment would be covered. I’m not one to leave bitter reviews around the internet but I at least felt I had to share my experience and warn others.

This is hands down the worst pet insurance on the market. They pretty much cover nothing at all and they quick to deny your claim. I paid $119 a month for the premium platinum coverage and out of four different claims none of them received a reimbursement and the explanation of benefits they sent me was extremely vague and they always said the same thing using the same two codes as the reason for denial. Go with Liberty Mutual and leave Spot to someone who wants to wasted their money. I canceled my policy TODAY!

Worst insurance I’ve ever had.

I have not received my reimbursement and it has been over a month.

I wanted preventative care and care to add it but when I went to my policy it was not on there and due to my work hours I could not call and still can't call at the time

I tried adding the preventative care when I signed up and it apparently didn't work. When I logged in for the first time, it says I have to wait a year to add this service. The website checkout process needs to be clearer so that customers can review and confirm all services before making payment.