Spot | Pet Insurance Review

I was initially so excited about Spot after researching a bunch of pet insurance companies! I'd had pets nearly all my life but never had ventured into pet insurance before. I have an older GSD and a young, wild GSD pup so it felt like a good time. Nope. Going to be a one year purchase and then I'm out. The app and user experience is slick and easy, So that's not the issue. And the price wasn't outrageous for what I thought was decent coverage. Those are the two stars. All I can say is read every line of the small print and maybe show it to a lawyer. I DID read it carefully, and I'm alert and suspicious. But when my dog tore his CCL and required surgery, it was denied and I was shocked. Here's why: midway through the 5 or so pages of small print, there was a definition of animal anatomy (I'm paraphrasing from memory): bilateral body parts are considered as a single unit (meaning front legs are one unit, 2 kidneys (I suppose)... 2 pages later at the end, it said that preexisting conditions weren't covered. Of course! I thought to myself. So when my dog tore his CCL they saw from vet records that he'd torn his opposite knee 3 years before... cue the bilateral definition from mid-document. His rear legs were one so the knee surgery he'd had years before were considered prior conditions spread over to the previously healthy leg. Wow. I would not have put those two widely separated sections together. We were left high and dry with a useless accident and illness policy that didn't actually cover an accident. The other thing is check what your vet charges for routine car against the reimbursement amounts Spot provides. I didn't do this, so my bad. I had the wellness policy I for my puppy. The reimbursements are adequate for maybe covering the cost of a low income spay neuter clinic sponsored by the humane society, but NO vet in private practice charges the modest fees that are anywhere close to the small amounts they charge for procedures and check-ups. I live in a rural area. My vet is not outrageous, but I am still left paying hundreds of dollars for spaying and dozens of dollars for vaccines and wellness checkups even after Spot kicks in its small reimbursements. Not a fan.

QUALITY SERVICE. CLAIMS ARE PROCESSED IN A VERY TIMELY MANNER. IF PAYMENT FOR A CLAIM IS MADE, THEY ARE RECEIVED IN A TIMELY MANNER.

Thorough, quick and professional.

Great Service! Fast response and resolution! They processed my claim in a timely manner after I submitted the vet statement.

Easy to submit claims and quick reimbursement.