Spot | Pet Insurance Review

Having Spot allowed us to save our dog's life. Claims and reimbursement are easy. We will never be without Spot again!

I’ve had your Pet insurance for a while now and never had the opportunity to use it. My dog Cody, a little Shih Tzu had a seizure and I had to rush him to the emergency pet clinic. I notified you A Day after and you were so kind and everyone took care of everything I didn’t have any questions. Everything was very clear and how to do things and you settled everything for me quite quickly and I thank you so much. It’s quite a relief Cody so far is doing fine.

I strongly recommend AVOIDING Spot Pet Insurance and considering one of the many other highly rated pet insurance providers. For nearly two months, Spot has delayed making a pre-approval decision for my dog's recommended treatment despite having received all the requested medical records, documentation, and supporting information. During that time, I have repeatedly been given explanations for why a decision has not yet been made, but no meaningful progress has occurred. My 5-year-old Labrador Retriever has been suffering from a leg injury that has not healed in nearly six months. An orthopedic veterinary specialist has recommended an ultrasound and potentially additional treatments to properly diagnose and address the issue. These delays are preventing my dog from receiving timely care. What makes this situation particularly concerning is that Spot's continued delays are pushing the claim process toward my annual policy renewal date. I have already satisfied my deductible and am currently in the reimbursement phase of my coverage. If the process extends beyond the renewal date, my deductible will reset to zero, potentially costing me thousands of dollars in additional out-of-pocket expenses. From my perspective, Spot's handling of this matter appears designed to delay a decision until after renewal, rather than provide the prompt evaluation that policyholders reasonably expect. In addition, Spot's customer service has been extremely frustrating. Every time I have called, I have struggled to communicate with representatives due to language barriers and poor phone connection quality. Regardless of the representative's knowledge or professionalism, the combination of difficult-to-understand communication and consistently poor call quality has made it unnecessarily difficult to obtain clear answers about my claim. Based on my experience, Spot has failed to provide timely claim handling, transparent communication, and effective customer support when my pet needed care the most. I cannot recommend this company.

It is so easy to make a claim on Spot insurance. You just send a copy of the bill. It doesn’t take that long to get it approved. Your money is deposited in your account. Very simple. Love spot Insurance.

I was looking for help getting my dog seen by a vet and started to look up pet insurance, when I came across an ad for this one I read through the screens and filled in all the information. Once I paid to get started and waiting the waiting period I took my dog in. Once I was there I was told that this pet insurance required me to pay upfront the full amount then submit paperwork and hope to get funds back. I wasn't informed that thats how the insurance worked so I went ahead and canceled the plan. That was around 3 months ago and I just received a phone call because the company ended up taking the money from my husband's account today for the last 2 months of payments we clearly weren't planning on paying since I canceled the plan. The agent said I had to try and "prove" exactly what date i canceled it which was by following different links first in the app. Then directed to their website and so on. Now we have to try and contact our bank and tell them what's happening and hope this company doesn't try and steal more money.