Spot Pet Insurance^© Reviews

If I could rate 0 stars I would...I am deeply frustrated and hurt by the customer service. My account was automatically debited monthly. First they took 2 payments for enrollment. With a wellness exam I was only reimbursed $20. This policy was for 2 dogs...recently had to get a Cytopoint injection for one that had never been diagnosed with allergies. This shot was a result of a landscaper spraying chemicals...the point is this 3 year old dog is now labeled as having environmental allergies...I called to speak to the lady that sold me the policy and was told in 3 separate phone calls I could not speak with her...I resubmitted the claim along with my vet resubmitted also. Denied again...

I'm not sure where all these good reviews are coming from, I got pet insurance for our 3 year-old who has been healthy all her life because we lost a dog a few months before to complications the diabetes. Thinking we were doing something good. Our 3 year old had her healthy yearly, then we switched vets another healthy appointment. Then she hurts her back unexpected. Spot refused covered because we couldn't give more vet records of her past, we didn't have any more, she was healthy and didn't go to the vet. The injury got so bad and then was in need of surgery, we had to put her down. Spot wouldn't cover anything. Total scam. Don't go with this company at all. Super traumatic for the whole family dealing with this. Don't recommend.

After adopting a dog last July that was around a year old, we set ourselves up with Spot. Jumped through all the hoops to get all the records we could and sent them in. When we adopted our little guy had no idea that he was dealing with worms of various sorts even after being dewormed by the rescue. I explained to the vet that we thought he had a sensitive stomach, had tried different diets but that he was still gassy and suffering from what seemed like chronic diarrhea. Turns out he was diagnosed with tapeworm, round worm, wing worm and eventually giardia over the next few months. Through out this time we dealt with a lot of diarrhea - a very common symptom of all of these worms.

Avoid this place at all costs as it is a scam. My dog had an allergic reaction to tick and flea medication and her skin was severely burned! Spot denied my claim saying it is secondary to elective procedure. Illness is illness. She is allergic to the medication and it’s preventative care so it’s not elective. Blacklisting this place for all our clients and family and friends.

I am being emphatic and strongly recommend that you AVOID Spot Pet Insurance under any circumstance. After almost a Year's worth of payments and premiums, I submitted a claim for an abscess tooth for my dog that needed surgery for her mouth was bleeding. Also, a large dog recently cut open her eyelid and blood was coming out and they refused a claim on that. Total scam.

Terrible — this is completely useless. You are literally paying for nothing. My advice: build your own savings account for your pet’s vet expenses. They backtrack for at least a month, and after waiting that long, they ask for additional documents from your vet. It’s simply ridiculous. The customer service is a joke — poor people working at this company, powerless and helpless. STAY AWAY. In Canada, your best options are TrueCompanion, Pet Plus, or simply using your own money. I spent weeks comparing plans and deeply regret choosing Spot On. Don’t do it.

I’m devastated by how Spot handled my dog Lilly’s claim. They denied it saying she had already been “diagnosed with an incurable kidney disease,” which is completely untrue. In June, Lilly only had slightly elevated enzyme levels — no diagnosis, no treatment, and no indication of kidney disease from her veterinarian. I switched to Spot because my previous insurer discontinued her policy and I wanted to keep protecting her in her final years. Instead of compassion, I received a denial based on false assumptions. Lilly is now gone, and the pain of losing her is already unbearable. What hurts even more is knowing this company made it worse — turning my grief into a battle to defend the truth. No pet parent should be made to feel dismissed or blamed when all they did was love and care for their animal. I hope Spot learns to treat families with honesty and empathy — because behind every policy there’s a life, a family, and a love that deserves respect. 💔

Spot placed so many barriers to my first claim, I canceled in frustration: 1) calls went to an off-shore answering service that was useless; 2) the claim was commingled with an invoice among my pet’s medical history and that had to be removed by an agent of the company; and 3) the company continued to ask for medical records that were far more clinical than required. Not recommended unless you are willing to put up with confusion and processing delays.

I joined this insurance for my dog in March. I did it from a recommendation based on my employer's benefits they offer. I left a company called Healthy Paws and I couldn’t be more sorry that I did. Spot's premiums are higher than anybody else, but when I joined, it appeared worth it. I have since tried four different claims all of which were not only denied, but didn’t even go towards the deductible. Healthy Paws paid all of these without question. The last claim even had a new injury, illness, and medications needed and for some reason, they choose not to even cover that even though I picked a premium policy. I would recommend going to Healthy Paws to anybody that is considering.

I am so happy and relieved that I decided to get pet insurance this time around. Glad that I picked Spot. We adopted two 5 year old cats, both were supposed to be healthy but after about a month of arriving at their new home, one kitty got very sick. Spot covered some large bills right away and their customer service was there to answer questions that I had. So lucky!