Spot | Pet Insurance Review

It was extremely easy to download all required forms on your website. When I would sign in to check the status I could see I was in "queued" status which let me know the claim was being reviewed. The only thing is that claims should be processed sooner as I needed to pay my credit card soon so I would not have interest charged on my credit card account.

I've now insured 4 cats through Spot. When I starting buying insurance for our current two 1-1/2 year old brothers as a precaution when they were still kittens, one of the cats unexpectedly developed some chronic health issues that have already nearly cost $2,000. As with all of our other pets, Spot has reimbursed me for the expenses promptly and without any administrative back-and-forth. I cannot recommend them enough.

Spot has met all expectations in regards to reimbursement and timeliness. I would highly recommend this company.

Ease of making claims; responsiveness and overall service.

Spot pet insurance is much more affordable than some of the other options out there, while offering a high quality product that has flexible options to meet the exact plan you want. Pros: - You can essentially create your own plan by choosing your own deductible and reimbursement percentage to get to a monthly premium that you're comfortable with. - The preventative care add on is something I found helpful since we take our dog in for regular check ups. - I have submitted a few claims already and never had any issues with reimbursement/coverage. You can configure direct deposit, and I've always gotten reimbursement within a week or so of submitting. - The app is easy to use and makes submitting claims very easy as long as you have proper documentation. Cons: - The only con is that they do work on a reimbursement method, meaning that you have to pay out of pocket and submit a claim afterwards to receive reimbursement. This can sometimes be tricky because when the vet is asking if you want to move forward with a treatment, you have to make a decision without having 100% confidence that it will be covered. Spot does have transparent documents that show what is and is not covered, but it can still be stressful to make the decision without 100% confidence. In my experience though, everything that I have expected to be covered was covered.