Spot | Pet Insurance Review

Easy claim process, friendly customer service!

The claims are easy to fill out and payment is pretty quick. I do wish we got more back or had more options for dogs that came to our homes a little later in their life.

The process to submit claims is straightforward. The process is not drawn out and you will know in a few days if your claim was approved.

Spot Pet Insurance cs agents, are nothing more than a bunch of dishonest, money grabbing thieves… I switched from my farmer’s insurance pet policy, to spot pet insurance, 6 months ago, because of the low premium cost..My Shih Tzu got an ear infection, I took him to the vet, had it treated..During the visit they suggested that he may have allergies, because he licks his paws excessively, which he doesn’t..His paw licking is an indication that he is in pain because of the ear infection..None the less, he was treated for the ear infection, and he received his annual rabies shot, during the visit..I was charged for a wellness check/ office visit..the rabies, shot, and ear infection treatment..I submitted the claim to pet insurance, the same day, along with his medical records..1 week later I received a email, notifying me that,,the claim was denied, because I had failed to send the medical records..I then made contact with them over the phone, and sent the medical records for the 2nd time, while I had the agent on the line,,she confirmed that she received the records….A week later, which is this morning at 9:00 am cst, I received a email..stating that the claim was denied..citing a pre existing condition..At this point, I am not only surprised, but also pissed..I called them up, asked them what pre existing condition caused them to deny the claim,,She said to me, in May 2022, the vet wrote in their notes, that Gabriel my Shi Tzu, had allergies..I said to her I have lived with him for 4 yrs since that visit, we go to the vet for scheduled wellness checks, and him possibly having allergies has never been mentioned again, in 4 yrs..I mentioned to her that, This is Gabriel’s 1st ear infection in the 5 yrs that I have had him, and that my claim was for the ear infection, the office visit, and the rabies shot…nothing else..In the end they denied the claim, and their reason for the denying it, was for Something that was not mentioned, or listed on the invoice..These people are liars, scammers, and is only out to take your money, they provide you with with a false since of security, through offering you low preniums and low deductibles …But in reality, they have no intention on paying any claims..For those of you on here, that are exciting about the cheap premiums...,It’s nothing more than their predatory marketing strategy..designed to steal from you….Don’t Fall For It.. Cancel your policies today, and get a policy thru a reputable company..Spot Insurance should be named…Spit Insurance, as they lie, cheat, steal, and spit in your face, with no hesitation

Please stay away from this company. They do not care about your pets, and they are not there when you need them most. I am writing this to report what I believe to be an improper denial of a valid insurance claim and a failure to adhere to the terms of the policy. My dog, Mila, was diagnosed with advanced periodontal disease, which progressed to tooth root damage, infection, and a fractured jaw with involvement of the nasal cavity (oronasal communication). As a result of this condition, she required emergency surgical treatment, including dental extractions, treatment of infection, and stabilization of the jaw. The treating veterinarian, Bremen Animal Hospital LTD, documented that this condition and the procedures performed were medically necessary and required immediate intervention. Without treatment, the condition would have caused ongoing severe pain, inability to eat, and risk of further complications, including systemic infection. I submitted a claim under my Platinum plan with additional wellness coverage for reimbursement of approximately $1,788.00 in veterinary expenses. This claim was denied in full. Based on the policy coverage for accidents and illnesses, this condition and the resulting treatment fall within covered events. The diagnosis was not the result of neglect, and the treatment was not elective or preventative—it was necessary medical intervention for a covered condition. The denial of this claim appears to be inconsistent with the stated terms and intent of the policy. I am requesting a formal review and reversal of the claim denial, with reimbursement of eligible expenses in accordance with the policy. I also request a clear, written explanation citing the specific policy provisions used to justify the denial. Consumers should be aware of how this company handles claims, especially in urgent medical situations where coverage is expected but not honored.