Spot | Pet Insurance Review

I’ve had spot on my 3 dogs and it’s helped me two times already. Back in 2024 my Stella crossed over the rainbow. This year in march my Rubie got sick. I called spot to put medical on my 3 girls and didn’t realise I already had the plan. I would recommend spot to many of my pet friends. Thank you

The most frustrating pet insurance I've ever had! Their selling point is that claims are supposed to be easy to process and that could not be farther from the truth. My dog has 2 pre-existing medical conditions. He had them when I started my previous 2 pet insurance policies from other providers. Both previous providers gave me a written list of his pre-existing conditions so I was clear about what would and would not be covered when making claims. After my very first claim was denied based on a pre-existing condition I asked them for a list of all the pre-existing conditions they had for my dog based on the medical records I provided and they told me they cannot give me that. What?! They said each and every time I file a claim someone is manually reviewing his 11+ years of medical history (no wonder it takes them WEEKS to even look at a claim!). And now every review a claim is subjective as different reviewers may have different opinions about his medical history. Or worse, just have no idea how to read medical records and claim that my dog was diagnosed with a condition that the notes actually say the doctor was RULING OUT! So unbelievably frustrating! Additionally they are constantly requesting new medical records even through they have my dogs full history. With my last 2 pet insurance plans all I ever needed to provide was an itemized invoice from my visit. Spot will not process a single claim without the detailed medical notes from every single visit, which leads to even longer delays in processing. Switching to Spot was one of the worst decisions I've ever made. I would not recommend them to anyone!

No hassle, great communication

I've had Spot for two years for my four-year-old dog. During this time, I submitted three claims for three separate incidences/illnesses, and all three were approved in about 2 weeks. The funds were reimbursed soon thereafter. I am glad I signed up for Spot while she was young and did not have any pre-existing conditions.

I’m amazed how easy the claims are to file. I expected to have to hunt up a high amount of paperwork. I sent in my bill and the doctor’s notes and in about a week there was a check in the mail! Very pleased I chose this insurance company!!