Spot | Pet Insurance Review

Prior to picking SPOT, I had done A LOT of research. We picked this company because we felt it best fit our puppies needs and picked a plan based on past puppy experiences with accidents and illnesses, etc. I thought it was such a good plan we paid for the year in full to get the discount. The issue with pet insurance is once you pick one, really you're roped in for your pets life, because of 'pre-existing clauses', ect. They are always on the hunt for any reason not to pay you (which I understand in the big picture is likely necessary to keep the business afloat and all the insurances do the same). What has really disappointed me about this company is that they are a 'one allergy, all allergy' company, something that a lot of pet insurance companies are not and I did not consider in my research. When we adopted our puppy he had some skin issues, we eventually determined this was due to chicken allergy and cleared up the rash. A few months later he developed a new skin rash for which we took him to the vet and they said was due to seasonal allergies, something he will likely struggle with off and on for life. Spot insurance refused to acknowledge and take this claim on, even though the seasonal allergies developed well after our entry window, because the chicken allergy was present when we first got him they said any future allergies to ANYTHING will never be covered. This makes absolutely no sense to me other than an easy way for a company to scam you and get out of paying. Something I am also sure they likely do with many other conditions. Honestly, if I had not paid for this plan in full for the year I would have cancelled my plan and gone elsewhere, however, I am going to give them another shot with my second half of the first year that was already paid for and see if my business will be won back for another year... First 6 month review of the company is a huge disappointment.

Please - save your time and money and do not go with Spot Pet Insurance. I thought I had done my due diligence, and was so disappointed after paying for several months and submitted my first claim. I had to find out through the App that it was denied - they never sent me a letter explaining why they denied my claim. They will do whatever they can to deny your claim. There was a typo in one of my dog's veterinarian notes from one year prior to the accident, so they relied upon that to deny her claim when she injured her leg one year later. So disappointing, so disengenous. Find yourself an insurer who will do whatever they can to assist their policy holders - not scam them.

Legit. Easy to claim and I got my check within 15 days. Highly Recommended 👍😀

Quick and Reliable service . I was able to make a claim and get my money quickly!

The quick and accurate response to my pets matter