Spot | Pet Insurance Review

After initially thinking I might have finally found a decent pet insurance provider in Spot, I’ve had my confidence in them shattered by one denied claim. My dog’s at‑home cancer screening flagged a moderate risk, so my vet ordered an abdominal ultrasound. Spot refused to classify the ultrasound as a covered diagnostic, even though their illness plan explicitly covers exams, diagnostics and lab tests. Their reasoning? Because the screening test itself is still in the proof‑of‑concept stage, all follow‑up care is “preventive” and excluded. That logic ignores both common sense and Florida law on interpreting insurance contracts. I made it clear I wasn’t asking for reimbursement - just that the ultrasound be applied toward my deductible - but they dug in anyway. Multiple appeals, BBB complaints, and even a letter to the underwriter have produced copy‑and‑paste responses. I’m keeping the policy only because my dog is a senior and switching providers would expose him to new waiting periods. But I’ve withdrawn my recommendation to colleagues and will be sharing this experience with the benefits broker who suggested Spot. If you’re looking for a pet insurer that stands behind medically necessary diagnostics, you might want to look elsewhere.

As long as I submitted the proper paperwork that was required, the reimbursement came within 2-3 weeks. I thank goodness I got the insurance. Just had an episode that would have cost me over $1200.00 for just the 1st test. So far it cost me about $300.00. The next test is about $3000.00. Scope down the throat and down to the stomach.

When you file a claim, they process very quickly and reimburse quickly. I highly recommend.

I was pleasantly surprised that my refund was handled within a few days. Staff was pleasant and professional.

Appreciated the prompt reimbursement.