Spot Pet Insurance^© Reviews

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!

I purchased Spot Insurance after a ton of research when we got our miniature dachshund. Knowing they can have potential back problems I wanted to make sure we could afford to get him the care needed. When the day came that our baby lost the use of his back leg's, we had one less thing to worry about knowing we had the safety net. When his surgery and local vet visits were complete 10k later. I was nervous on how the claim process would go.. I was pleased at how easy it was to file the claim in the application, which was a Tuesday, by Friday my claim was processed!!! Since I had entered my bank information the $ was in my account by Monday 🤯. I can’t say enough how grateful we are that in a horrible situation the $ part of getting our baby the treatment needed was NOT any part of that. We believe without that surgery he would not be walking today and living a normal life. ❤️🐾

Best thing I ever did was get pet insurance. This was my first time and after researching and comparing, went with Spot Pet Insurance. It was so easy to enroll, premium was affordable, and the best customer service ever! Had to file a claim after only the second month, my dog got something in his foot, and it was paid right away. I couldn't believe how easy it was to file a claim and how fast I got my refund. It's such peace of mind knowing I have assistance if a large vet bill happens. Thank you Spot Insurance for doing it right!

I’ve generally found the claims process very easy. They have never outright rejected a claim and there’s only been a couple things here and there on a bill that they said they won’t cover. Claims reimbursements happen quickly as well. Our vet recently referred our dog to an internal medicine specialist, so we will see how that claim goes once we get through that situation.

I got Spot when I adopted an 11 yr old dog that had a history of severe neglect. The neglect my dog, Tito, endured affected every body system and took him almost a year to recover from. Knowing that Tito might have medical issues in the future, due to his history, I went with Spot after I read this on their website (for CA resident), “Pre-existing conditions are not covered by our plans. However, If your pet’s pre-existing condition is curable and has been cured and free from treatment and symptoms for a period of 180 days it is a new occurrence.”

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.