Spot Pet Insurance^© Reviews

I submitted an authentic, direct invoice from my vet. Because the bill had split charges—an initial charge and an additional charge from the same visit making up the rest of the total—Spot's claims department lazily called the vet, only verified the initial amount, and immediately slapped a "Determination of Fraud" on my account and canceled my policy. They didn't even bother to look at the final, itemized ledger or reconcile the total amount.

I had Spot Pet Insurance for six months before filing my first claim for my dog's ear infection. I submitted all of Milo's veterinary records, including his last exam from June 2024 and his July 2025 vaccination records. The problem was that his previous veterinary clinic permanently closed in July 2024, so Spot couldn't request additional records directly from them. I explained this repeatedly, both by phone and in writing, but after more than a month, my claim was still denied for "insufficient veterinary records." Customer service was slow, unresponsive, and unwilling to acknowledge that the clinic no longer exists. If a claim can be denied because records are unavailable from a permanently closed clinic, I have no confidence future claims would be handled fairly. I canceled my policy.

We have been with Spot Pet insurance for 4 years and have two dogs with them insured! They used to take 2-4 days to reimburse for yearly checkups and shots! Now it’s taking up to 4 weeks before you get reimbursed from them! This used to be a very good company and we recommended them to family and friends but not anymore! They don’t want to pay for hardly anything anymore! But they have no problem taking our money every month automatically and on time! There are other pet insurance companies that are a lot better and cheaper than Spot! We will be canceling if and when we get reimbursed for the last checkup on our dog!

Please stay away!! They refuse to cover anything, for the 1 visit they did cover they sent us a letter saying it shouldn't of been covered and demanded we mail them a check...absolutely insane.

My work offered Spot Ins and I thought I'd give it try, since I'd been advocating for pet insurance for our company. The appeal was that they insured older dogs. I bought coverage for two dogs: one senior, and one puppy. I chose an accident plan for the senior, knowing she'd already had several diagnoses that would deny any 'health'-related claims. While we were on vacation, the senior dog had breathing issues due to the higher elevation. We took her to an ER vet and she unfortunately passed en route. I did see in my coverage that the "end of life" costs (cremation) could be covered. I submitted my claim and it was rejected: "pre-existing." That was my first impression. I work for an insurance company, so I'm somewhat knowledgeable on "pre-existing," EOBs, and coverage, etc.

I received $20 off of a $1200 surgery for my dog. It was considered a pre-existing condition even though he had coverage at the time. I had to update my credit card because it had changed, and they rewrote the policy. I’ve paid $52/month for 2 years for nothing.

I moved to GA last year. I called Spot Insurance and was informed that I would have to keep my current coverage in NY for a monthly premium of $118 until policy renewal that was 12 months later. Note that the premium in GA is $52 cheaper. If I canceled and had a new policy issued for GA coverage then any preexisting conditions would not be covered. Note that there is a policy endorsement that pretty much states this. I did speak with an underwriting manager about this and she suggested that I increase my deductible $50 that should not affect coverage, and then make the policy address change to GA. So, that is what I did only to find out recently that my dog does not have coverage for her preexisting allergies, etc. Really Spot?

Total scam. Denies claims, asks for more info, routes you to several different people, puts you on hold repeatedly. Then tells you they are reviewing, wait 3 days, denies again, same process over and over again. If you ask for a supervisor, they are 'unavailable'. They will give you an email address to send documents, then say they didn't get them or they are "checking into it". You will get nowhere with them. I spent 20 hours dealing with them before I gave up and filed a dispute with cc.

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.

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.