Spot | Pet Insurance Review

Never, never, ever would I recommend Spot for pet insurance. I was really on the fence about continuing my pet insurance after year one. So I called and talked to a representative and decided to cancel, but I was also a heavy user of the Spot app to check my bill date, coverage etc. Long story short I decided to cancel by phone in December, but in January I went on the app and renewed my policy. I even chose different coverage amounts and had a brand new premium. I was thinking this is great and convenient! However, in February I received a notice that I was dropped. No reminder leading up to that date, just your policy is over. That shouldn’t have been the case anyway since I renewed in the app with plenty of time left in my policy. Obviously I called to see what happened. My only response after talking to multiple people at Spot was, “Sorry the app doesn’t count you have to call back.” The representative should have told you this.” I was blown away. I was thinking to myself are they talking about those disclosures like “this call is being recording for quality training purposes.” I was blown away. What is the point of the app if you can’t actually use it and the app is not honored. Who has time to make a call sometimes? Also, how dumb of a company policy when you could continue to receive payments from a customer for an entire year. These insurance policies are not like car insurance that you can cancel or change at any time. You are locked in for a year. What is the real kicker is that after dropping me, anything that I had previously put in as a claim for my dog is now considered a pre-existing condition. Spot utilizes deceptive business practices and is just shady in their dealings. If you care about your pet, don’t even consider Spot! Updated 02-19-2025 after response from Spot and absolutely nothing changed. Don’t be fooled!

So glad we r switch to Spot insurance. So fast & professional service Thank you

I’ve had a great experience with Spot Pet Insurance so far! My cat recently needed veterinary care, and Spot covered 80% of the costs, which really helped reduce my out-of-pocket expenses. Since I had already met my deductible, the reimbursement process was smooth and straightforward.

Was very easy to make the claim they were quick to take care of it and send my check

Form uploads are straightforward, Payment was a little slow but complete.