Spot | Pet Insurance Review

If you are considering Spot Pet Insurance, save yourself the money and the stress and look elsewhere. They have repeatedly refused to reimburse anything related to my dog’s skin infection, despite the veterinarian clearly documenting that the infection had nothing to do with allergies. It does not matter what the medical notes say. Spot defaults to the same lazy conclusion every single time. If it involves skin or if my dog is sick, they label it allergy related and deny the claim. What makes this worse is the process. Every interaction turns into an appeal. I submit full records up front. Detailed vet notes. Diagnoses. Treatment plans. Everything they could possibly need. They still deny it. Then I have to call. Then I have to email. Then I have to resend the same documents again. Then I wait 30 to 60 days for a response, only to be told some variation of the same thing. Phone support is frustrating and circular. You explain the situation clearly. They acknowledge it. Nothing changes. The burden is always pushed back onto you, even when their own criteria have already been met. It feels like the system is designed to wear you down until you stop trying. If your pet ever has a skin issue, an infection, or anything remotely adjacent to allergies, do not expect coverage. Even when a licensed veterinarian explicitly states it is not allergy related, Spot will still twist it into one. I regret choosing this company. I regret the time I have wasted fighting for reimbursements that should have been straightforward. This has been one of the most exhausting and one sided customer experiences I have dealt with, period. AVOID THEM

Very easy to work with and my claim was processed and paid very quickly.

Very clear and straightforward claim process. No unpleasant surprises regarding policy coverage when the time comes to file a claim. Happy for having switched from previous provider.

Excellent service and timely reimbursement’s.

Easy company to work with. Fair prices, simple claims.