Spot | Pet Insurance Review

I love Spot pet insurance. You hope you never need to use it but if you do, like I have a few times for my fur baby, submitting a claim is super simple, review is fast and payment takes only a few days. I am so relieved to know that the medical choices I make for my pup can be first and foremost about what she needs, not how much it will cost. Thank you for taking that fee out of the equation.

I’ve had to make a claim for my Blue and it was so easy and to do and it was handled in a timely manner! I was very pleased with this process.

The convenience of the app and its simple user interface makes for an overall pleasant claims submission process; with prices that aren't exorbitant so one can see where there is value. The only reason I must take off one star is because of a claims issue where the individual looking over my claim used a very broad strokes approach when reviewing my claim which required me to have to write a letter and petition to have it reviewed once more. The issue was the broad strokes approach used didn't even bother to use any discernment to distinguish between one diagnosis and another and simply lumped it all together as one medical issue. Them having conflated two separate issues as one, I could have ended up paying everything out of pocket. Even having explained to a representative on the phone the response was less than pleasant or acceptable. Having to make the case for myself when they had all the medical records was indeed frustrating and a reminder that you should pay attention and keep notes of your veterinary visits and any past emergencies or medical conditions. While its a great thing to be insured in case of emergencies, one can soon be disillusioned by the reality of how insurance companies can and often operate. On that one occasion where the experience was less than stellar, I could not help but lose a bit of that confident feeling that they are here for your pet's well-being. Overall however things have usually gone on without much issue and as simple as a few clicks.

Submitting a claim was easy and straightforward. Processed and I had an answer in no time. It was approved and I’m receiving a refund. Medical care for our fur babies is costly and it’s great to have some support with the cost.

It was very easy to upload my vet bill and file a claim. It was processed and paid in under twenty four hours. My reimbursement was in my bank account in two days.