Spot Pet Insurance Reviews | Read Customer Reviews of spotpet.com

Spot Pet Insurance Reviews | Read Customer Reviews of spotpet.com

Spot Pet Insurance reviews

Showing 189 reviews with 2 stars · Clear filters

Sharon J.
Oct 19, 2026
I have found my entire process very…
I have found my entire process very frustrating. I have sent in many claims. I know I had a deductible but mostly the claims were denied because you wanted my dogs records from when he was a puppy (he is now 3.7 years old). I get it. But I have been very careful not to submit claims for the things that were going on prior to me getting insurance thru you. I had to switch from Nationwide, who I had since he was 10 weeks old, because they raised my premium from $800/yr to $3500/yr claiming it was the State of Maines fault (it wasn't). He has always had ear infections (floppy eared dog) so I don't submit for those. I believe my Vets office has now sent you every record that probably exists and you finally paid two of my claims. Unfortunately when I call to question things I cannot understand the accent of the person on the phone.
Response from Spot Pet InsuranceOct 19, 2026
Hi Sharon. We understand your concern and want to help address any questions you might have. Please reach out to our team at [email protected] (M-F 8am-8pm, Sat 9am-5pm EST)
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Robert M.
Oct 17, 2026
Need a single dept to tell you how to submit claima claim
SPOT policies /Company was good Far to many, people Telling Me how To Submit a claim & in the end It was still wrong
Response from Spot Pet InsuranceOct 19, 2026
Hi Robert. We understand your concern and want to help address any questions you might have. Please reach out to our team at 1-800-905-1595 (M-F 8am-8pm, Sat 9am-5pm EST)
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Duncan F.
Oct 9, 2026
Pick a different insurance!
I have been with Spot since January. In August, I had a claim that I was supposed to be reimbursed for. 40 days later, I still have not received my check. I have had to call 3 times and now they are saying it is on the way. I am disappointed to have chosen this company. I think that there are better and more reliable ones.
Response from Spot Pet InsuranceOct 13, 2026
Hi Duncan. We sincerely apologize, we strive to process all claims as quickly as we can. You can contact us at 1-800-905-1595 or email us at [email protected] for updates or questions.
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Allen C.
Oct 3, 2026
Reimbursement rates are too low for…
Reimbursement rates are too low for wellness Cost for service is too high
Response from Spot Pet InsuranceOct 6, 2026
Hi Allen, we try to be transparent in what is covered in each plan. We are sorry to hear you are not happy with your coverage and encourage you to reach out to our customer service team.
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Cathy
Sep 22, 2026
Problem with a claim
Problem with a claim. Because my dog was given a medication as a pup for fireworks, they said his condition was pre-exising when now he has to take trazodone on a daily basis for anxiety. A preventative for fireworks doen't consitute a pre-existing condition. Now I can only contact Spot ins. people in the philipines. they hire all their calls out to Phillipines. Can't reach anyone.
Response from Spot Pet InsuranceOct 1, 2026
Hi Cathy, we understand the frustration when claims are denied. Please reach out to our team at [email protected] so we can look into this.
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HMM
Sep 19, 2026
Won’t cover pre-existing anything
Spot pet won’t cover anything pre-existing. My dog had diarrhea a couple times when I was insured elsewhere - and now Spot will not pay for any claim gastro-related. They’re a cheaper premium- but I don’t recommend. I had Pets Best Insurance prior and wish I had stayed with them
Response from Spot Pet InsuranceOct 1, 2026
Hi there. 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.
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Michelle L.
Sep 14, 2026
Looking for reasons to deny claims.
Looking for reasons to deny claims.
Response from Spot Pet InsuranceSep 18, 2026
Hi Michelle. We understand your concern and want to help address any questions you might have. Please reach out to our team at 1-800-905-1595 (M-F 8am-8pm, Sat 9am-5pm EST)
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Kirby
Sep 11, 2026
Communication is terrible and no…
Communication is terrible and no response on pending claim. I’m expected to provide entir records for claim. I explained they needed to call the vet and request what was needed
Response from Spot Pet InsuranceSep 18, 2026
We're sorry hear that you had a frustrating experience, and this is not the experience we aim to provide. Our team does reach out directly to veterinary clinics to request medical records, and we follow up multiple times to help ensure we get what’s needed. Unfortunately, if we don’t receive a response after repeated attempts, we may reach out to the pet parent as an additional option to help move the claim forward and avoid further delays in processing. We understand your frustration and if there’s anything we can do to make things right, our team is here to help at 1-800-905-1595 (M–F 8am–8pm, Sat 9am–5pm EST)
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