Spot | Pet Insurance Review

Diesel my 7 year old Chihuahua became quite ill on Friday May 29th. He stopped eating and drinking. That night he began scream-crying due to horrific pain. Sat morning he couldn't lift his head. I thought he was dying. I took him to an Emergency Animal hospital. X-ray showed a small square object in his stomach. Once surgically removed, the vet noticed irritation on his intestine. She opened to find a foreign object blocking any bowel movement. My vet bill was $4213.61. Submitted a claim on June 1 and received payment on June 11. After deductible, Spot Pet covered 80%. My cost: $1242.72. Thank God for Spot Pet insurance. Thank you! Thank you!

I have no complaints at all about Spot pet insurance! I've had dogs for most of my life and this is the first time I have bought pet insurance. I'm so glad that I chose Spot and we couldn't be more pleased with their service! The claim process is simple and completed in a very timely manner.

I just had a traumatic emergency situation and lack of care options which meant traveling to vets 2 and then 4 hours from home, unfortunately ending with euthanizing my beloved cat. Even though he was 16, I found the annual limit of 10K reimbursement very affordable at only $75 per month with a discount for having two older kitties (the other one is 17!). My only complaint is that the website is not user friendly and you tend to get little information on any page and unclear tabs. Don't feel you need to dumb it down, SPOT, we can handle more than 2 items on a page. Also, sometimes the "We need this document within three days" messages are stressful when you are going through things with your pet. My practices have not been uploading their documentation, so perhaps another or a different way of communicating with them to encourage them to upload the documents would be better to get them on board. Maybe the email to them goes to spam? Use the client's or patient's first name or something in the subject. Overall, though, I have been very happy to see those direct deposits hit my bank account with the reimbursements! It's a great tool when paired with Cherry or Care Credit so you can pay for things in the moment and then pay it down massively after receiving your payment, with only the deductible and the non-covered percent to pay on your own within the time period, in my case 6 months interest-free. I recommended SPOT to my family over a recent family birthday. It was a big comfort to me as I faced this huge loss and steep vet bills.

We've been with Spot for over 2 years and had other pet insurers previously. We switched because of a discount provided through an employer. What we like about Spot is that they have an easy claims process that you can complete through the app with 3 questions (type of service, full invoice amount, upload documents). There is no notes/details box so you truly need a fully itemized invoice that spells everything out for them. Customer service is friendly, but not always helpful as they don't re-review claims or accept appeals, only re-iterate what is seen on the documents you provided and go over what the EOB says, and the 800 number is the only avenue to contact them. They allegedly have vet reviewers for claims, but have fully missed "keyscreen" as a fecal test (quick search engine query of 'vet keyscreen' shows this) and don't itemize their reimbursements so you need to know your coverage to double check the math. The preventive care reimbursement annual limit amounts are a joke. You're likely better off paying out of pocket for those services and saving the additional premium $ Overall, the general coverage/reimbursement system does what it needs to and is usually frustration free, they offer several coverage options, easy navigation of the app and direct deposit of payments, and tends to be on the cheaper side for premiums compared to comparable coverage with other pet insurers. However, we would not have made the change to or stuck with Spot without the employer discount, find the preventive care options to be lacking in both coverage and reimbursement amounts, and have considered switching back to a previous pet insurer because of quality of customer service/hassle with missed things on claims.

Fast response after sending claim