Spot | Pet Insurance Review

I signed up for Spot Pet Insurance believing it would provide financial protection for my Persian cat, Cyrus, in case of accidents or illnesses. However, my experience has been nothing short of frustrating, misleading, and an absolute waste of money. 1. Denied Coverage for an Accident Cyrus accidentally ingested a vitamin D capsule during the grace period, resulting in an ER visit ($190) and a follow-up visit to a new vet ($368.56). I was explicitly told by Spot Pet Insurance that as long as the accident/illness did not reoccur within 180 days, it would be covered. Surprise! When I submitted the claims, they were denied. When I called for clarification, a rep told me I needed to take him back to the vet after December 25, 2024 (180 days later) and refile a claim ONLY with a new receipt—none of the previous expenses would be covered. That is NOT what I was originally told. 2. Denied a Legitimate Claim for No Reason I also submitted a $170 claim from September 4, 2024 for an unrelated visit—this was AFTER the grace period ended, while my pet was covered. Spot denied it because Cyrus had diarrhea in June before my policy started and claimed it was a pre-existing condition. What?! Diarrhea is an acute, common issue in pets, NOT a chronic condition. Spot Pet Insurance is clearly finding loopholes to deny coverage for anything and everything. If a pet ever has an upset stomach in its lifetime, does that mean Spot will never cover GI issues again? This logic is completely absurd. 3. A Complete Waste of Money I have paid over $400 in premiums, and was only reeimbursed $15 for pink eye illness. Spot Pet Insurance is essentially worthless—what’s the point of having pet insurance if they refuse to cover even basic claims? Their lack of transparency and deceptive denial tactics are shady and unethical. Final Verdict Do yourself a favor and STAY AWAY from Spot Pet Insurance. Their policies are misleading, their customer service gives contradictory information, and they will find any excuse to deny your claim. Beware before signing up – you are better off saving your money than trusting Spot Pet Insurance!

Spot pet insurance is amazing! They have processed 3 claims on my Yorkie puppy since I got him and they were processed promptly and without question. I would strongly recommend Spot pet insurance, you will not regret it. I have told several friends about Spot pet insurance, I cannot say enough good about them!

Timely claims handling. Very efficient. Love it

This insurance is a scam. We signed up within a couple days of adopting our two new kittens. They tell you to take them in for a wellness exam within a week or two after you adopt. We did that. This exam was, of course, within the waiting period. Fine, we paid for it out of pocket and didn't submit anything. One of the kittens had started having diarrhea so they did a fecal test just in case it wasn't just the stress of the move and food changes. It came back negative and our vet said to just give it a little time. Everything else checked out well with both cats--happy and healthy. Then a month later diarrhea is back and bad so we go back to see why. They do a PCR fecal test and some bloodwork. But because diarrhea was mentioned in her first appointment, now they consider it a pre-existing condition and cannot be covered. Imagine that, a kitten with diarrhea, as if that is rare. Now I have paid over $1,000 out of pocket and none of it is covered, or even goes even toward my deductible. I have to pay for insurance that doesn't cover anything that might be in any way tied to GI or diarrhea for another 6 months before they "might" not consider it a pre-existing condition anymore.

The site is easy to use and process for claims is always quick!