Spot | Pet Insurance Review

When we had an emergency and had to make the first claim I have ever made i had to call. The service provider on the phone was so helpful and calm I was so thankful I had this service. Currently our pup is recovering from a major surgery. My claim is queued and I am thankful for the day she is all cleared.

They have a very user friendly website and pay their claims promptly

Submitted claim and it was settled and refunded in a matter of a few days. Prompt service! Also very helpful answering questions.

My experience with Spot Pet Insurance was an absolute nightmare once real veterinary expenses started happening. Collecting premiums every month was never a problem for them, but the second claims were submitted, the company suddenly became experts at twisting unrelated medical issues into “pre-existing conditions” to avoid paying. What made this even worse was the complete lack of transparency. Claims were denied with vague, generic explanations instead of clear evidence or detailed reasoning. Multiple unrelated conditions were lumped together under broad assumptions, and requests for line-by-line claim reviews or specific policy justification were met with canned responses that answered nothing. The entire process felt designed to frustrate customers into giving up. Instead of helping during an already emotional and financially stressful time, Spot created even more stress through delays, deflection, and blanket denials. The marketing promises and the actual claims experience felt like two completely different realities. If you are shopping for pet insurance, do yourself a favor and research companies with a proven history of honoring claims fairly. In my experience, Spot was far more interested in protecting payouts than protecting pets.

Spot this company seriously monitors people's reviews and will take down most negative ones but also leave enough to make them look realistic. In my opinion, this is one way that they intimidate you and they have tried to do this on trustpilot. To have my reviews removed. Spot has committed insurance fraud and all staff I've contacted as blown me off for weeks if not months. If Spot replies to this comment, then it will be proof positive they only care about saving face and don't give a darn about me and my pet. Also, every single time there is a bad review, someone posts a 5-star review pretty much an hour after Spot replies. I believe they are paying for positive reviews bc the timing reveals a pattern AND bc Spot clearly does shady things to preserve a rapidly deteriorating reputation. Cesar Milan will not save you and it looks like he revoked his support of your company anyway. Creepy bunch.