Spot | Pet Insurance Review

Spot Pet Insurence is a scam. They will not pay for the cost seeing with the vet which you already paid out of pocket. I got the plan accident and illness already 9 months and my two cats are 13 months now. Last 2 weeks ago one of my cat look hard to use litter box and he changed behavior using litter box, so i went to a vet and follow the procedures a vet need to know what happen to him. Then I called the spot customer service for how to claim a bill and she show me how to claim, but also she told me for the future before you payout you have to claim estimate bills first then after they approved i can do process. I was never heard like it before. In my case this is the cat not dog, as long as they are healthy i am not seeing the vet. After claim filled a week later spot asked for the medical record that my cats are not even born date. I called them and told them about it and to file what ever i have. Then I reclaim again with my cat very first vaccine that my breeder took, other than that i do not update any more because they are kitten and healthy. Then they said not eligible of the whole invoice of claim. I called spot and they keep asking vaccine record that i do not have. I can even understand that they do not want to pay total invoice but should be cover for some of them like seeing the vet cost or some medication. I just write about this to understand how they are handling on claiming process. They are just try to find a reasons to not pay back. Also what they sale about coverage and no worry about cost at the beginning are all lie and beware for it. What i paid 9 months insurence $114.61 for both cats doesn’t even cover a penny of first claim. I will end with them. Updated: they not pay because i don’t have wellness vaccine records for cats. What is the point for paid them for past 9 months for plan illness.

The claim process is quick I'm happy with the coverage

After submitting the full records 3x the claim was denied and no part of the visit was accepted towards our deductible. The reason states unable to obtain records. When I reached out to let them know they were sent three times they want lab work and records for the past 2 years. Our dog was rescued 6 months ago and this visit was for bronchitis, the records submitted were the detailed records of the days visit including the x-ray report, his physical exam, and medication prescribed

My cat needed to go to the vet for Behavioral problems and it was pretty expensive for his exam. I have had Spot for a little over a year and I never took advantage of getting reimbursed for any vet bills. I actually did for this visit because it was quite expensive. I have the app and it was so easy to use. My veterinarian supplied the paperwork I needed and I downloaded everything. I received notifications from Spot right away saying they received all that was needed. I was reimbursed for the percentage that was stated for the visit I had. I am so happy with this insurance and have it because I have 2 cats and it totally pays off. It definitely is worth it.

Spot has been amazing. I've never had pet insurance before and I'm sure glad I did because my puppies were a mess at the beginning and Spot took care of more than I expected. I was really surprised. I'd never go without again. Spot is easy to use and the reimbursement is fairly fast. The customer service is great too. I had a couple questions regarding what they covered and the representative was so helpful and pleasant to talk with. Thank you again.... and I always recommend spot to my friends with pups