Spot | Pet Insurance Review

It shows SPOT as #1 that is scary!!! Pet insurance - My experience with SPOT has been more effort than value! I'm hoping for better in the future or maybe a different company is better. You be the judge and what do you want to spend your time doing? tracking down appeals? They were so nice on the signup call and I elected for the premium "highest" plan and autopay monthly premiums. I understood things wouldn't be covered at 100%. I had no idea the leg work or if you get one visit a year and if an emergency comes up - every vet visit is denied. I pay the vet and send the vet bill in to create a claim. Claim gets denied. Rince and repeat. Never once has it been it easy. I don't spend this much time on my own medical insurance. I'll pay the stupid tax I've signed up for but not a fan. We have seen the vet only 4 times since I've started coverage, and my dog is 5 years old, thankful he's pretty healthy and I have gotten denial after denial. Told I'd have to appeal to have a claim reopened. Last claim was in December 2024 received email stating closed - denied - even though it was an emergency visit and all new things - not anything preexisting etc... $0 covered so its really hard to justify paying the monthly premium on top of the vet bill with $0% covered. Makes no sense. I've sent all records over 4 times; Vet sent all records over 3 times exactly as SPOT requested for them to be sent. Tried to call in a few times to customer service to figure out if I was doing something wrong - or needed to submit something different??? OR what hoops I'd need to jump through..... On hold on the phone with customer service for over 20 minutes and then they disconnected. What is your time worth?

Claims couldn’t be easier! Done all online and reimbursement sent promptly to your chosen account. Very pleased with timely processing.

If I needed my health insurance more than once during a calender year, I would be covered. You only allow one emergency coverage because of the cap. pay out. It's a gamble weather you use it and pay all year, or not. Either way, one party makes out better and in most cases it's the insurance co. That's wry the 3 stars.

We are still waiting on the claims for our Dogs surgery. This morning at 5:57 am we got a call saying we need to send her full medical history for them to review. We have already sent all information on the torn ACL and the bills that were paid by us all of them mark paid in full.

Thank you Spot for quickly processing every claim. There has never been any issues. And for your thoughtful note I received after the loss of our Hobo. He was the best boy.