Spot | Pet Insurance Review

📍 Spot Pet Insurance – Kitten Plan (Advanced + Routine Care) My experience with Spot Pet Insurance started off well. The first claim I submitted after my kitten’s initial vet visit was processed smoothly, and I received reimbursement as expected. However, during the second round of vaccinations, I was disappointed to learn that the kitten plan does not fully cover the recommended vaccine schedule, even with the Routine Care add-on. As a responsible pet owner, I followed my vet’s guidance, only to find out that Spot only reimburses certain vaccines — and only once per year — with very limited amounts. To make matters worse, I’ve been trying to reach their support team for over 3 days with no response. Today I finally called and spoke to a representative, who informed me that there’s nothing the company can do — even though this limitation is not clearly disclosed on their website or in the policy documents. Nowhere does it say how many vaccine shots are eligible per year for a kitten. ⚠️ If you’re considering Spot for your kitten, please be aware that the plan does not fully cover the basic preventive care you might reasonably expect, even with them selling this special coverage for it, and the lack of clear communication and customer support is a serious concern.

I don't recommend this insurance. They cover absolutely nothing. Let's do the math here. I paid vet 442.24. I got the insurance with 80 percent reimbursement. I also added dental and wellness care. I pay $162. 71 a month to Spot insurance. They reimburse me $100. If I'm paying Spot $162 then pay vet $442.24 and got $100 back why do I need this insurance???? The one I had before them were 10 times better. The reason I switched insurance was because that insurance was for one specific veterinarian office you couldn't go anywhere else so that office would always be understaffed and didn't have availability to see my babies and had to pay other outside cost. I was extremely disappointed with this insurance. So no it's not worth paying $162 every month and my dogs aren't sick thank God I feed them fresh food but they do need shots for allergy season heart worth dental and check ups. Just in case of an accident it's smart to have insurance but not this one. The other insurance the payment was about $11 more but they paid majority of the vet bills. No question asked. Spot wanted past medical records that wasn't asked when you first apply which would been more understandable. I cancelled immediately. I went to another insurance this time I'm gonna talk to an agent before getting insurance.

I do wish the coverage amount was higher. I was given my reimbursement pretty quickly, which was nice and the process was easy

Fast and honest service

I received my check promptly.