Spot Pet Insurance^©

I signed up for Spot Pet Insurance earlier this year. My dog, Penny, a 10 year old Border Collie, and the light of my life, was healthy but getting older. On July 4th, I spotted blood in her urine. Thinking it might be a UTI, I took her to the vet for routine tests and medication. I was not prepared for her diagnosis... TCC! We were referred to an oncologist for treatment. Thank God for Spot! We were able to start her on meds right away. Unfortunately, cancer is very expensive and we went through our benefits in a couple of months. But Spot paid our bills promptly and at a time like this, it was much appreciated.

We didn't anticipate thousands of dollars in medical costs within the first year when we rescued a 4 lb 13 week old Chihuahua mix puppy. She is the whole world to us but has had several illnesses and accidents, plus needed dental surgery for a retained deciduous tooth. Spot was great at covering these costs and reimbursing quickly. They even cover the holistic side of things like acupuncture, chiropractic, and cold laser therapy, which is AMAZING. My only complaint is that my monthly rate went from $50/mo to $70/mo in one year, and my dog isn't even two yet. If this continues, I don't know how long I'll be able to afford insurance. For now, we are grateful for the coverage and care by Spot.

SPOT Pet Insurance has fantastic customer service. Last April I was put in a position that no pet owner ever wants to be in-- my golden retriever, Lucy, needed costly emergency surgery in order to save her life. The employee who handled my claim was incredibly kind, empathetic, communicative, and timely. Lucy had her surgery, it was covered by my SPOT Pet Insurance, and they had reimbursed me for her surgery within 48 hours. Beyond that, the employee who handled my claim continued to check up on Lucy throughout the week after. Lucy made a full recovery and is doing great! I recommended SPOT to several of my friends and they have insurance policies on their pets through them now as well. Wonderful service, highly recommended!

No pet insurance is ever perfect and this one is just ok. The first year was extremely affordable, however when it came time to renew they raised the monthly premium to $25 more. My dog now has a pre-existing condition so I can’t even go to another company because no one will cover the issue. As far as being reimbursed, sometimes it takes a couple days, sometimes it takes a week. Overall, it is pretty similar to Healthy Paws which is crazy more expensive.

Spot has been really good about coverage. There haven't really been any unexpected surprises. I have the Peace of mind of knowing my pets are covered and I get the 10% discount because I have more than one pet with them. The only complaints I have are that it is really hard to get hold of them by phone, hold times are really long. The other complaint is that they are very slow to reimburse. They do reimburse, but it takes them a long time. I have a claim in now for a condition they've paid for before so they don't have to collect anything new from the veterinarians, it should be quite straightforward but it's been two weeks already and it's still processing.

After switching over from Embrace, I can confidently say Spot is the best pet insurance provider. Spot’s customer service is fantastic. Whenever I have questions about claims, they always get back to me quickly and thoroughly. Plus, they gave me a $25 Amazon gift card for signing up. Highly recommend!

Spot has been a joy to work with. Not only is the coverage very reasonable and reliable, the people who work there seem to care and understand the importance of a pet in someone’s life. The overall experience with Spot has been delightful and me and my lil buddy can’t recommend it enough!

If on the fence in getting insurance coverage for a beloved animal companion, this company is absolutely legit. They have an incredibly easy and fast claims process and superb coverage throughout all their stages of life just as they claim. Grateful for their service.

Just want to say, so far I am pleased with how quickly they reimburse for all claims we have instigated. It is a pleasure to work with a insurance company that does not try to find loopholes to delay payment or not to pay at all. Thank you Spot Pet Insurance.

I recently submitted a claim for Tito's vet visit for itching. It was 0% covered. Must admit this is partly my fault. I thought I bought a policy that covered medical issues, and apparently, for $43.54 a month, all I have is a policy that covers accidents. When I spoke to a rep this morning, she was very helpful, but I came to the conclusion that coverage that actually means anything will be upwards of $90 a month. I'll be looking for another carrier.