Company never responds to claims. I placed 2 claims for my cat's treatment. Neither one has been processed. Nobody ever answers their phone. Put on permanent hold and left my phone number for call back which never happened. Never even received the promised gift card for signing up. Will report to the State Insurance Commissioner.

We bought Max home when he was 3 months. I did some research on pet insurance and went with SPOT in the same month. Had a good experience with them while shopping and they walked me over the policy and answered all my questions and did not push me at all. He started having allergies within 4 months and we had to take him to vet often for his medications. He also had some GI issues. I have filled all of my claims including prescription food and got good service with SPOT and got reimbursed for their part. I am able to afford and keep Max happy only because SPOT is supportive. Also when I contact their customer service, I get a good response and members are respectful and caring. I am happy that I chose SPOT.
The only reason I gave 9 rating instead of 10 is the time for the claims to be processed. They do process within the said time and no delays so far but once we submit the claim, it just says processing and it is a waiting game. I wish we could have some updates so we know what is going on.

I had no idea that counter surfing qualified as a behavioral issue, SPOT reimbursed me $500 for my dog's training! They also reimbursed me $2000 when my poor Lou ate tin foil out of the trash and had to get it removed by a vet. This is by far the best pet insurance on the market, I highly recommend everyone get SPOT!

Story of my Spicy Cat, I have had Spot Pet Insurance for my 4 cats for over 6 months. Recently, my 12 year old male cat had a Urinary Tract Blockage which turned into an emergency and ended us up at the Hospital. It was suggested that he have an operation so that he would not become blocked with stones again. At a cost of over $5,000 you can imagine I was hesitant, but considering this surgery would prevent this happening in the future and prevent a possible premature death sentence by not making it to the hospital in time the next time, I agreed to the surgery. I was hoping this would be covered by Spot pet insurance and so Medvet in Worthington OH helped me get an extension on my Care Credit card so that all the cost would be covered. Sigh of relief. For now, everything was going to be ok and my best friend and companion, Spicy cat was getting the surgery he needed. A couple days after the surgery I filed the claim which was fast and easy. Within around 2 weeks I received nearly $5,000 deposited in my bank account. That was exactly the cost of the entire treatment, minus the deductible and I was reimbursed the rate of 90% . Wow, Spot pet insurance saved my cat's life and saved me from literally going through what little bit of money I have worked so hard to save for the past two years. When I signed up for Spot pet insurance I took all of my cats to their initial appointment to make sure there were no health problems and this is something I could not have planned for. This is the perfect scenario of why all pet caregivers should find a place in their budget for the minimal amount that it cost to cover your animals. It can save your wallet and your heart from breaking later. If you are doing the right thing and using the insurance as a back up and not purchasing it because your trying to "get over" on the company when an animal already has something wrong, then you will be pleased with SPOT pet insurance. The peace of mind is well worth the cost. Spot Pet Insurance is now officially Spice approved. Just look at that smile!-Jen