Spot | Pet Insurance Review

Honestly, I could be brief and say “f*** Spot” but anybody who loves their pet deserves to know why Spot is a terrible company that does not deserve your money. You and your pet deserve better than their b.s. We obtained pet insurance thinking it was the responsible thing to do. Our cats are our family and we want nothing but the best for them. After one of our kitties sustained an injury (tore her CCL) we were devastated, but we foolishly thought “at least we have pet insurance”. We submitted what should have been a straight forward claim with Spot. We have accident coverage, she had an accident, she should be covered, right? Instead, Spot denied the claim almost immediately, but not before altering the claim we actually filed - from the CCL tear to periodontal disease. We found that Spot had dug through our cat’s veterinary record to find any excuse they could to deny a claim and settled on that small note from several years ago. Never mind that periodontal disease is the #1 most common health condition in cats, never mind that it can be effectively and quickly treated, as it was in our case. Regardless, Spot claimed that this “preexisting condition” was enough basis to deny the claim. Spot, perhaps recognizing the flimsiness of their own excuse, also claimed that ligament deterioration is due to a common ailment in CANINES and that that was enough basis to deny the claim. I had to remind Spot that dogs and cats are two very different species and that we were not seeking coverage for a minor case of gingivitis, just the ADVERTISED COVERAGE for accidents. Spot spent several weeks mulling our appeal only to double down on their unwillingness to fulfill their end of the bargain. We have paid every bill on time, provided every piece of documentation asked for, and even got a letter from our veterinary surgeon, but spot still had their rejection letter ready to go. Spot’s unwillingness to actually cover their clients with valid claims is absurd, frustrating, and criminal. I am now left with a mountain of debt and profound sense of betrayal. Spot doesn’t care about you or your pet. They are predators who prey on one’s love of animals. They have mastered dodging phone calls, ignoring emails, fraudulently altering claims, and skirting contractual obligations. Know what they can’t do? Help you when you need it most. Do not give spot a single cent of your money. You’d be much better off keeping your $20/month in a high yield savings account, or even a coffee jar. To anyone at Spot who may be reading this: you should be ashamed of yourselves. Your greed and brazen lack of empathy have made an enemy for life whose singular goal in life is to steer as many people as possible away from your terrible “company”.

As soon as you put a claim in they inform you every step of the way.

We had to take our pup to the emergency vet, thankfully it turned out to be nothing serious. I use the Spot app all the time, all you do is snap a picture of the invoice and send it in. Within a few days they process and we have direct deposit so we got our reimbursement quickly

Claim process is easy Deductible is reasonable Received the guaranteed 70% of expenses we paid for at the vet App is great

Very prompt to pay insurance claims. Easy to deal with fair prices.