Spot Pet Insurance^© Reviews

I paid Spot Pet Insurance premiums expecting support when my dog actually needed care. Instead, nearly every claim was met with broad “pre-existing condition” denials, vague explanations, and zero transparency. They group unrelated issues together instead of reviewing claims individually and never clearly explain how they reached their conclusions. When I asked for detailed breakdowns and policy language supporting the denials, I got canned responses and deflection instead of answers. Even line items that should have been separately evaluated were brushed aside. The process felt designed to exhaust policyholders until they give up.

I feel very taken advantage of by this company. They care more about making money than actually helping you care for your pet.

I was denied a claim (toward my deductible) because they said I didn't provide enough information, but it was exactly the same as others that they have honored. Very frustrating also to talk to the underwriters about this when it is very hard to understand what they are saying due to a heavy accent.

Spot is the absolute WORST for pet insurance. Stay away from this company, it's a scam. I started a policy and then my dog was prescribed medications which should have been covered. Spot kept denying my claims because they said they didn't receive full vet records. I sent them the complete records from my vet multiple times, but they said they lacked "soap notes". My dog only went to the vet for routine vaccinations so the only notes were what vaccines he got and his weight. My vet then added in the "soap notes" they wanted only for them to say that still wasn't correct, but wouldn't explain why.

I'm submitting another review as my last review was received by SPOT and they stated they would revisit my account. Absolutely no movement on their part. Please read these warnings from people that have been denied. This company is a SCAM. They will say and twist your claim to make it non reimbursable. Stating a pre-existing condition is so common with SPOT. Heaven forbid you rescue an animal from a shelter and need any future help with their health. How would you ever know their previous health issues. I know I wasn't given any information from the shelter I adopted my cat from. Please be cautious.

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!

Filed a WELLNESS CLAIM WHICH IS COVERED, with the requested paperwork and they denied it. I paid my first month premium and they keep denying the claim even though I have sent the paperwork 19 TIMES! Sent paperwork again, they denied it again saying they could not read it. I sent the email to people I knew and they said they could read the emails just fine. This is an attempt to deny. I have had to call over 25 times in a week and they are still denying. The invoice attached, Spot says they can't read it. Bullcrap. SPOT PET INSURANCE IS A SCAM! DO NOT USE!

Stay away. I was a member for over an year paying $50 per month. My dog is 4 years old and very healthy overall. We feed him high quality fresh food and he is lean weight. Very active dog. Probably an ideal customer for any health insurance company for years to come. Guess what. To my surprise I filed a first claim for outer ear infection for $77 as he developed an external ear infection and they rejected it. Saying that one of the records from vet from 2023(!) indicated allergies. And these guys connected allergies to ear infection and called it pre-existing condition!! Pre-existing condition for allergy!! Which dog does not have one.

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. ❤️🐾

They charged my account 3 times without telling me. I went to cancel and they won’t refund me. You can’t do that without telling someone. Do not use them!! They are very misleading and rude, they did it without asking and refused to refund me

This pet insurance company has deliberately misleading language in their online sign up process relating to waiting periods. They state that you may not file claims for any condition treated during the waiting period. This would mean claims would be denied if they took place during this period. I found out today that in reality any condition DISCOVERED during the waiting period will not only not be covered for the visit, but will also be logged a pre-existing condition for future denials, even though it occurred after the start of the plan. Now with a 180 day term for a consideration of not being pre-existing, our dog has a monthly preventative prescription that will NEVER be covered because Spot relates to that keyword in her diagnosis. Furthermore I am now permanently stuck paying out of pocket with no insurance coverage since at this point these are now all 'pre-existing'. Absolutely heartless scam artists.

Spot charges are excessive compared to the number of claims denied. I have submitted claims that was rejected because my VET said one thing and Spot determine something different. Imagine taking your dog to the VET and he provide diagnoses and Spot without seeing your dog change the diagnoses. Absolutely insane.

I have had this insurance for 3 years and have had 2 claims and after your deductible is paid then all you need to do is send your bill in and then you will receive payment within 3 days. They are easy to do business with.

The first year I was happy to have the peace of mind of pet insurance and though a little pricey at $500.00 felt it was worth it. Unfortunately when my first automatic renew happened I wasn't paying close attention and was charged well over $800.00. Quite the jump for one year with an 8 year old healthy dog. When I got the renewal email it was not made clear of the huge increase in price. I didn't find out how much it increased until I saw my card's statement at the end of the month. It was a complete shock to say the least. I feel how this was done is misleading and a ripoff. I'll not be "renewing" again.

First time having pet insurance and Spot has been amazing. We were hit with a $1,500.00 vet bill after our dog got bit by another dog. No hassle and quick reimbursement right into our account. Will never go without insurance again.

Spot did not cover my valid claim for a biopsy. I enrolled for 90% coverage, had the insurance for around 2 months, when I had to my pet to get checked, she needed an ultrasound and biopsy, Spot denied the claim. It's been a week of back and forth with them even the internist wrote to them this is not a pre-existing condition. I called multiple times. Customer service is terrible on the phone and they don't respond emails, check all of their reviews, I'm not alone. Please choose another insurance, this probably why they are cheaper, they will scam you.

Spot is an affordable insurance. They cover just about everything other insurance companies cover but their response to claims is exceptional. You can use any Vet in the country and, once submitted, claims are usually resolved within 2-3 working days.

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.”

Claim process was very easy, and reimbursement better than previous company. My cat is 16 years old with recurring prescription and shot. This might have been a problem with other companies, but was business as usual for Spot.

We are paying for the 90% reimbursement plan. The last few times our vet turned in the medical procedures done on my dog, Spot denied the claim saying it was a pre-existing condition even after the vet sent in further proof that it was not. These were new medical issues. I would stay as far away as possible from this company. They are horrible!!!

I researched pricing and coverage for my new fur baby and SPOT offered the most options at the best price. Submitting a claim was simple and reimbursement turnaround time was excellent. SPOT also provides discounts to many sites and new pet parent helpful tips. The SPOT website is user friendly. The comfort of knowing that my fur baby has affordable insurance in the event of an accident or just for preventative care is one less thing I need to worry about.

Best way to protect your love Fur Baby, I’m please and happy with their system, and uncomplicated reimburse policy. Reasonably deductible, great Monthly premiums, Spot has made it easy for me to take care of my dog, and much more affordable, and does give me peace of mind. I greatly recommend it.

Excellent experience with Spot Pet Insurance from the initial contact through now. I have filed two claims so far. Both were paid right away without any hassle at all. Their communication is outstanding as well. I would recommend this service.

I cancelled my insurance with Spot Pet Insurance because I was paying more than what it was covering. There were claims they didn’t cover even after one year and then decided to raise the cost due to my dog turned 3 and a half. So I cancelled my account. Will look towards other pet insurance at affordable cost.

Really!!! Spot insurance is a joke. I canceled June 20, 24 and then they charge me for June and then July go up on me and charge me for July, August, and September. I have already paid $771.00 to this insurance and they denied my claim. They owe me $291,19 since they have stolen $ out of my account from canceling it

Well... why are all insurance companies seem to be run by scammers? I took my pet to the vet because she was scratching too much and they gave her some medicines, saying it could be seasonal, or a tick bite, or something else. Spot asked me for her medical history, and then denied the claim because they considered it a "Pre-existing condition" since I had taken her two years ago to the vet for an allergic reaction... Well... that is just ludicrous. If I have a flu today, go to the doctor, and 2 years later go to the doctor for a flu, do I have an EXISTING CONDITION??? Of course not!!! I would be ok with the money I spent going towards my deductible, actually I expected it, but to be denied on such a ridiculous argument??? They SUCK! If she had cancer, OK, I would understand. But for this? Just dishonest.

Claims are easy to process, you collect your receipts & vet notes and upload on the website. I was reimbursed in a few days in accordance to my contract. When I had questions, staff were helpful and knowledgeable. Rates are very competitive for what you get.

If I could give Spot Pet Insurance Zero stars - I would. Beware: They don’t pay for your claims. And they don’t accept most of the vet paperwork submitted. Even when it’s the “soap notes” they require. I’ve only taken my dogs to the best vets around and none of them have this paperwork readily available. The whole claim submission process is very time consuming and doesn’t work.

I can't be any happier with Spot Insurance. I didn't know if I was going to really need the insurance; and I'm so glad I did now. Setting up the account and adding your information was easy. Submitting a claims is very easy and just answering few questions, and attached the receipts and medical records if needed.