Spot | Pet Insurance Review

The 15-day waiting period is poorly communicated to new clients. We had to switch insurance because our dog was covered through a specific vet, and she developed serious health issues, leading to the discovery of a mass in her colon. Despite finding the mass well after the 15-day period, they claimed it was a preexisting condition because she was treated for diarrhea within that time frame. They also stated that her surgery to remove the mass wasn’t covered under the illness and accident plan. Their claim responses are minimal and generic, offering no straightforward way to dispute without calling and dealing with someone on the phone. We were in a difficult position switching providers, just trying to save our dog’s life. I expected some compassion from the company in such situations. Ultimately, we were penalized by the 15-day waiting period. Ironically, they had no problem taking my money from day one! Thanks for wasting my time and money!

Timing and understanding

The claims are easy to file and are processed and paid promptly. On the one occasion I had to communicate via telephone, the lady to whom I spoke was delightful. She resolved the issue (that I created) and seemed genuinely concerned about my pet's wellbeing.

Claims are easy to submit; information needed for each claim is easily notated but I appreciate that Spot is willing to reach out to your vet if you don't have the information. Quick to respond, process and follow up with each individual claim. I

Absolutely horrible company. They denied 80% of my first claim. I specifically asked the salesperson about the claims they denied and she assured me they’d be covered. After my claims were denied, I spoke with Spot and said my sales rep specifically told me they were covered. The customer service rep said they’d send me a transcript of my sales call. A day later Spot called me and said they wouldn’t be sending me the transcript of the call they had previously offered. Awfully suspicious! Needless to say I’ve dropped my insurance with Spot and highly recommend everyone to stay away from Spot Insurance. Companies like Spot Insurance are what gives the insurance industry a bad name. If you want to pay a premium for insurance and have every claim declined, Spot Insurance is for you. I read other reviews after submitting my review and it’s remarkable how consistently deceitful Spot is! For example, all dogs have pre-existing ears/legs/… and as such Spot will find an excuse to consider any claim as pre-existing! Based on my experience, I agree with the review that states that the good reviews are fake. If you care about your pet and value your time and dollar, go with another provider, Spot is NOT for you!