Spot Pet Insurance^© Reviews

After having a very stressful start illness with My Maltese and making her well, it was a pleasure to know that every time I submitted a claim, it was taken care of professionally and within the week and already credited my account. I don’t think you can ask for anything better than that. I have talked with associates, friends and really recommended. They change their pet insurance because of the great results I received.

First time having insurance on my puppy and it has come in handy. I’ve always paid out of pocket with no reimbursement. I have had 2 claims and have been reimbursed the allowed amount in a timely manner.

I paid for top-tier coverage (very low deductible, 90% coverage, preventative plan) and the expeditious reimbursement for my puppy’s first vet visit two days after I started the plan is a welcome sign of how this company operates. While the coverage allowance is lower than my vet prices on almost everything, it has more than paid for itself this first month - and with microchipping and spaying coming in the next few months I’m sure it will pay for itself during this first year. I did not have insurance for my last dog, and she developed several extremely expensive conditions that made my finances troublesome for the second half of her life. The peace of mind this plan offers is worth it even if I wasn’t already seeing costs being covered!

I've been a little burned by pet insurance in the past... They always found a way to weasel out of paying till you just don't see the worth in paying.... (Go pet plan - don't recommend). Spot is different! At first we started off on the wrong foot when they denied the allergy food my vet prescribed calling allergies a pre existing condition.... (My dog had grass allergies prior to my plan) but the food was for potential food allergies. Still whatever, it's just a food. But ever since then EVERY SINGLE THING I have filed a claim for has been paid. My cat Smokey had his lens disconnect and float to the front of his eye... We just had 3 animal ophthalmologist specialty visits, an er visit, and a last minute surgery that cost a whopping $8500. I filed the claims once I got the medical records and I didn't have to fight to get my reimbursement!! I filed online and in 4 days it got approved.

I've submitted 4 claims this year with Spot and have had nothing but a great experience each time! Easy to use App and quick turnaround time. I'm thankful that I have the safety net of Spot Pet Insurance when I need it to care for my Great Dane.

Spot is the best! I was able to get my first puppy insured quickly and without any hassle. I chose the plan best for my pup, and have already received a check back from her first vet appointment! Could not have asked for an easier process. I highly recommend Spot Insurance to anyone who is asking!

It's our first puppy, and I have compared several insurance companies and their policies and decided to try Spot Pet Insurance (because they cover Vet office visit while most others don't). I did not expect to use the insurance at all, but little did I know about puppies. Not too long after activating the policy, our puppy swallowed a soft dinosaur toy and ended up in emergency care. Then few weeks later he ate marijuana someone threw on the street; another Vet visit. Both times, we submitted the claims and were reimbursed quickly. No questions asked. The claim process was like a breeze. We were so glad we got insurance from Spot.

We had to take my golden do event twice in 2 days. For being sick. They had to run many tests and bill was pretty extensive. This was my first time using Spot Pet And I am totally pleased in the speed that they handled my claim. I would recommend them to anyone.

I am new to the pet and pet insurance game, so when it was time to get insurance, I just picked one. However researching, I found Spot and I am happy I did. The reimbursement, the coverage and the monthly premium was more to my liking. Do the research and you will chose Spot too.

I can’t say enough good things about SPOT Insurance. Both of our claims were entirely unexpected and SPOT came through without hesitation to help us with the expenses. I will never be without SPOT coverage. You just never know what is around the corner with our furry family members but you can be sure that veterinary urgent care will be expensive. It’s not IF, it’s WHEN! We will never be without SPOT coverage! Thank you!

Services provided were great and then they raise my rate an additional $150.00. This was for my 2 pets. They take forever to send your check. It seems like an unreasonable price increase. I decide to switch to Figo thru Costco.com.

This was the first pet I decided to get insurance for. I did some extensive research before deciding and let me tell you I wasn't disappointed with choosing Spot. I had my very first claim for my Maine Coon kitten to have I neuter and between the day I submitted the claim to payment I was super impressed at how quickly they got it done!!! I highly recommend Spot. I do have my kitten extra covered with not only preventative but I added the accident and illness as well and paying the extra and I feel like down the road it will be helpful and worth it if needed.

Recently joined my two dogs to Spot. One dog is a year old and the other eight years old. My eight-year-old Australian Shepherd recently suffered a spinal stroke. Excellent customer service. Simple, easy to navigate App. Top notch. I’m glad I switched companies.

They try their best not to cover your medical charges. My dog had a bacterial infection of the eye previously which was treated with antibiotics (did not have Spot insurance at the time). A few weeks later my dog developed allergies which manifested as eye redness but Spot did not want to cover the medical charges because they considered it a continuation of his bacterial infection several weeks prior. They proceeded to explain that they would not cover any eye inflammatory conditions for the next SIX months due to their policy. Waste of money - recommend going with other insurance companies.

Absolute scam. They changed the dates of my coverage so they weren't on the hook for the first appointment that I had during my Spot 'coverage', then used extensive creative license to mark the second and third appointments as 'pre-existing conditions.' It was a skin rash. Dealing with their customer service was wild, they were the most condescending people I have come across while owning a dog. This insurance is an absolute joke. Go with anyone else, especially if you have a pitbull.

Crooks! They charged the highest premiums to start with. When my cat got sick, they denied the estimate given by my vet’s office citing pre-existing conditions which wasn’t true!! Service calls go to Philippines, rude staff!

For a couple years with a few claims Spot was working for me. But when I need to pay 5k for illness surgery approved by veterinarian I can get no information on whether it is going to be covered. Sad!

Spot Pet Insurance denied my claim when my dog tore his ligament. They indicated it was a pre-existing condition because of degenerative disease. In a sense, they denied the claim with what every dog goes through when they get older. They should be ashamed of themselves taking my premium each month knowing they will deny every claim due to a pre-existing condition that occurs in every dog. Don't use them. They will take your money with no intention of paying a claim.

In my short time and personal experience paying this underhanded company, I have found them IMO to be completely dishonest, unethical (lying to deny obviously legit claims) and slightly paranoid and obsessive. In addition to refusing to pay a claim that was 100% legit, once I won a BBB case, they refused to communicate with me to work out the details. To me, it appears they only tried to close the case so it was closed and then had no intention of working anything out with me. I believe they also might be cyber stalking me as I have had a review repeatedly removed by them on a review site that was a legit review and it also appears they create aliases to create false positive reviews to increase their scores.

I researched the top 10 pet insurances. I had always been on the fence about getting insurance. After doing some reading up on it, I selected Spot Pet Insurance for our 4 fur babies. I have had to submit claims for one of our pets and Spot has been just wonderful to work with. Great customer service and no waiting for reimbursements and no hassles. I am very pleased and would highly recommend to anyone looking for pet insurance coverage.

We have had Spot Insurance for 3 years. Switched after problems with our other pet insurance company. Spot is an absolute pleasure! Claims are very easy to submit and processed quickly. Thank you Spot for helping us keep our dog healthy and giving such positive support to the pet community.

The professionalism with all the representatives for this insurance is unbelievable. I was having issues with the pound, where I adopted one of my doggies, but had to submit a claim to fix some issues that arose from the surgery that was done by the shelter. They were super proactive with me and the communication was amazing. The reimbursement was super fast. Totally worth it

I love the ease of the app. It is a cinch to submit claims. I appreciate that I was paid promptly and that Spot followed up to make sure that my dog was on the mend. I feel like Spot pet insurance really cares about my pets and their well-being.

Spot pet insurance owes us close to a thousand dollars $$$. They claimed to have made the refund weeks ago in their systems (Aug 14 and 18) however it’s now September and we haven’t received a penny. Really frustrating! Our dog was attacked by a neighbor's dog. That was traumatic enough.

I had issues with several pet insurance companies before I found SPOT because I have an English Bulldog with quite a lot of health issues. I had given up on pet insurance, believing it to be a scam to get your money only for them to deny every claim. SPOT has completely changed my opinion of pet insurance and has helped me provide the best possible care for my pup. Customer service is amazing, they are super responsive, and they review claims and reimburse very quickly! I am so insanely happy with my experience with SPOT pet insurance and have recommended it to everyone who has asked me which company to go with. I now have it for my new puppy too! I won’t be without SPOT and neither should you! I absolutely highly recommend them!!

For the last two years, our two West Highland Terriers have had health issues...one with chronic skin allergies, and bacterial and yeast infections; the other had two separate ER visits. Spot reimbursed me as contractually agreed upon on each claim and did so in a timely manner. Best decision I've made to chose Spot as our pet insurance. One recommendation, however: Spot needs to re-evaluate its coverage limits for wellness/annual checkups. Charged prices by most vets exceed these limits, leaving the policy holder with higher out of pocket responsibility.

I have had SPOT insurance for several years now. I have never submitted any claims (even in past with other companies). My dog required medical care, I submitted invoices, and SPOT reimbursed me quickly and without hesitation. I am very pleased and appreciative to this company. Thank you so much. I will recommend your company, and plan on remaining a customer.

I couldn’t be more happy was having a Spot in Pet Insurance. I have a five month old labrador puppy who has allergies, and the bills are in Normal at least 400 for the past two visits each and Spot has covered it all. This is the first time I’ve ever bought Pet Insurance and I don’t know what I did without it before. Thank you Spot!!

I really appreciated what Spot has done for my aging Viszla. Georgie is nearly 11 years old at this point, and really does need a lot of care. We take him in to the vet about once a month at this point, and having Spot has really reduced the financial burden that caring for an aging dog puts on me. I do have the platinum plan, and I will say that if I had a lower tier it would be more expensive. That being said, I have absolutely saved more on vet visits and medication that I have spent on Spot. Highly Recommend!

Not only are the customer service people lovely, but I have saved countless dollars with Spot. My golden retriever is reaching that age where the vet finds something wrong on every visit, and Spot takes away the financial stress when I need to get him treatment. 12 years with Elvis and going strong, all thanks to Spot!

Terrible experience. It is basically throwing away your money. They look for any reason not to reimburse you after something happens. Please do not choose Spot Pet Insurance. I was denied on 3 out of 3 claims. Now not only am I in debt $6,000 but I have put the $250 pet deductible and the $70 a month for an insurance that is only out to steal your money!

Spot's customer service was super helpful! When I was deciding on what pet insurance was best, I called their customer service line to get a more in-depth explanation of some things stated on their website. They explained everything I asked of them in great detail and were super welcoming to all of my questions!

Spot Pet Insurance is the best! I recommend it on Facebook to all those that ask. They are prompt on processing claims and they pay most of the bill! Can’t get any better than that.. It’s so easy to file a claim online. Also they keep you updated on your claim.

I usually do not give a perfect score on anything as there is always room for improvement. We were very pleased with our first experience with pet insurance. This was an initial puppy wellness visit and included shots. Well worth the initial cost. You always hope you never need to use insurance, but it is comforting to know it is there whenever you need it.

My 5 yr old dog's insurance was transferred from the original company to Spot Pet Ins, a few months ago. He was in the process of undergoing/recovering from major back surgery for a herniated disc. Spot Pet Ins has been easy to work with and the claims have been processed easily and quickly. I was happy with my previous pet insurance and insured my 1 yr old with that company. However, I just switch him to Spot Pet Ins. The coverage is better for the cost and I have been happy with the customer service/claims experience. I definitely recommend Spot Pet Ins.

Spot Insurance is wonderful! We have a new puppy and Spot has been great with coverage, explanation of benefits and quick reimbursement. The website is also easy to use. We have peace of mind knowing our puppy is covered if anything were to happen.

I find submitting claims seamless and definitely reimbursed in a timely manner. The SPOT app is user friendly and the customer service is always very helpful when I have any questions. I would recommend SPOT to me friends for their pets.

I have been super grateful for Spot Insurance and their quick processing of claims. I have had to file multiple claims for two of our dogs and they have always been processed quickly and easily. It has been a blessing to have their help with the care of our pups.

Reliable, pet insurance, very easy to make claims and rapid response from customer service. I recommend spot insurance to all my family and friends with pets. Our family feels much more at ease, knowing we have pet insurance for our dog!

So far everything is going well. I haven't been reimbursed yet, but I know it takes time. The claims are easy to submit. You get a quick response. Not sure what else to say. This is my first time in 20 years having a pet.

Their website makes it very easy to submit claims, and they review them on a quick schedule. My Spot Insurance has already saved me a ton of money on vet bills and prescription food, it makes a huge difference for me to be able to take my cat to an emergency vet without worrying about having to compromise treatment for the sake of affordability.

Spot Insurance is so fast in processing claims and obtaining records if needed. This is my first time getting pet insurance even though I had multiple dogs before. I was hesitant about which insurance to choose from because there's so many out there now but am so happy with Spot. Representatives are very knowledgeable and answers all my questions with care. Submitting a claim is so easy and reimbursement is quick. It's worth every penny I spend on the premiums with the stress free care I receive. Highly recommended.

I tried to file claims online but the website was not user friendly and the website would freeze. I finally printed claim forms and filed by email. Claims were processed in about a week and I received notice that they were completed. Email said I would receive reimbursement between 7-10 days. Well, I haven't and I am now being told to give it at least 3 weeks and if I haven't received the checks by then, they will do a stop payment and reissue the checks. This is ridiculous and I am so disappointed with Spot.

I was happy to see I had met my deductible and received 90% payback. Thank you! Levi is having difficulty with his knee cap slipping out of socket. When I submitted the vet check for review, I was happy to see I received 90% back. :)

I came to Spot Insurance after trying a couple others first. I’ve been happily with them for a few years now! They are fast to pay and their app is very easy to navigate! I love the fact that they cover not only injury but illness as well. It’s been such a peace of mind!

The app has a couple of small issues that they are working to resolve, but it is a quick and easy way to submit claims. The turnaround for processing isn’t bad. It usually takes about a week to 10 days to get reimbursed. Overall, we are really happy with Spot Insurance and have recommended it to our Veterinarian for their customers. We have the Platinum Plan with preventative care coverage and the lowest deductible. The first year we went with the $1,000 deductible and we weren’t happy, but now we have a $100 deductible and they’ve been great to work with.

I love SPOT! They are very quick to respond, easy to work with (customer service is so nice), and uploading and getting reimbursed is so easy. I have 2 dogs under this insurance plan, and was scared from hearing horror stories from other insurance companies, but I've been pleasantly surprised with SPOT because I've encountered zero issues! I am at peace knowing the pups are taken care of!

We pay for insurance, to cover the things that we don't want to pay out of pocket. When it comes time to issue a claim that's when you find out how good or bad your choice was of insurance companies. After over 1 year with my little girl being very healthy she decided to come up with an intestinal bacterial issue. I submitted my claim to Spot Insurance. My claim was paid promptly. No questions, no arguments, no nothing. You must have an authorized claim and after that it was painless. I chose to have the money sent directly to my checking account and I'm done. Spot insurance was a great decision for me.

I purchased preventative, accident and illness insurance for my baby yorkie. My vet told me her first year could be spendy and that all dogs have their quirks that could require vet attention. Spot Insurance has been great. Claims I submit are paid promptly. I never have had a surprise or negative experience. Spot insurance has been one of my smartest purchases and I will not go without pet insurance ever again.

Overall I've been happy with Spot Pet Insurance. They do take longer to process claims than other pet insurance companies I have been with, but they do get them processed. They have had to request records from my vet a couple times, the vet has responded same day, and it has taken me calling them to make them check to see if they have the requested records before they will stop emailing the vet asking for the records and sending me emails saying they need more info. There seems to be a disconnect between when records are received and when they are uploaded to the account and the claim status is changed. The issues I've had were relatively minor and the insurance company has been fair with my claims, though as previously stated, they take a bit longer than I'm used to when processing claims.

I have reported this company to BBB and am waiting for a response. I was notified that my claim has recently been completed - Claim Number: **. I see that the "Rectal insufflation DISCOUNTED Ozone therapy 6 sessions" was not reimbursed, as this was ultimately found to be an "experimental therapy" by the customer service agents I have since spoken with, although I was never notified of this when I had submitted my estimate for this treatment in advance.

I have had Spot for my cat, Blue, for about a year now and have had a great experience with Spot. We have never had a claim denied and the reimbursements have been quick (aside from our first claim which they needed Blue's full records from the vet). Every time I have had questions their customer service has been very helpful and kind.

Unless you enjoy throwing your hard earned dollars down the drain...Run...not walk away from Spot Pet Insurance! The worst company I have ever dealt with in my life. I purchased the most expensive policy they have....I was paying $118 per month for my dog. The only claim That I ever filed...they pulled every stall tactic in the book! I uploaded every single record for my dog....he was only 1 year old so there wasn't a ton of paperwork. They kept asking me for the same forms over and over. They claim they process their claims in 3 days! What a load of crap...3 weeks after I filed my claim I was still waiting for an answer & every time I logged into my account it still said they were waiting for the same paperwork that I sent over and over again. Like all the other reviews...they denied the claim with no reason whatsoever. This company is just a sham!

Wow, Spot made my recent trip to the vet simplistic. This company has 24 hour help that guided me on the next steps to take after my poodle swallowed something on a walk. I submitted the claim and it was resolved in a timely manner as well!

Spot has a great staff, and is very much worth it! I was worried I wouldn't be able to find a company I trusted, but they are great. Very helpful and user-friendly! I wouldn't trust my pets with anyone else.

My experience with Spot has been poor. It seems they are deeply understaffed as any claim I have submitted has been a huge effort in futility. Spot continuously will respond saying they are missing medical records despite you giving them the information. They will again respond to this by changing the dates of the information required and eventually "close" the claim reporting denied coverage due to inadequate medical records. Multiple phone calls to their customer service confirms that these documents are received and all you can do is call back and wait. Eventually the claim will be closed citing medical records. This cannot be legal.

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.

When my cat needed major dental surgery, I was so glad to have SPOT to cover me. The claims submitting process was easy, and I got my reimbursement in a timely manner. I've yet to need to use customer service, since everything with my policy has gone as expected!

The experience was okay. The reviews are very slow when it comes to reimbursements of claims. The staff is very nice and well informed and when I finally go through they were helpful. I like Spot because they do insure older pets.

I have a puppy and was looking for an insurance company that suited his needs in these early years. Most of the items he's had are covered which is great! The claims process is super easy too. The few times I've had to call customer service, I found them easy to get through and attentive to our needs.

They make me feel safe to have a puppy again after my old dog's passing from an accident that we couldn't cover. I'd recommend Spot to any pup owner who wants to make sure they are covered in the event of a big accident.

We signed up for the highest coverage for our cats since they deserve nothing less. Unfortunately one of our cats was rushed to the emergency room and had to be put down. Spot Pet Insurance did cover what they said. All in all it was a easy friendly process.

I'm very happy with Spot Pet Insurance. I have sent quite a few claims in and my vast insurance experience gives me a real understanding in EOBs. I have resubmitted a couple for review and they were paid when I had my Vet get involved. I thoroughly recommend Spot Pet Insurance as I know any company Cesar Milan endorses gets my vote of confidence.

This insurance co is ok but expensive so I switched to another pet insurance co. Less money the same service. Overall I was happy with the reimbursement with Spot Insurance but to expensive $72.00 a month vs $43.00 for the same service with another pet insurance company.

I love SPOT! All three of my pets have been insured by SPOT for over a year and they have been fast in processing my claims. They have a variety of coverages to choose from that fits your budget along with what your pets need. I do wish SPOT had an option to switch from paying yearly to monthly or vice versa without having to cancel the entire policy and reapplying again.

Love my insurance. My purebred has so many issues and I get like 90% back on all my claims. It’s so worth it to have coverage. The customer service is always very fast and friendly too. Thanks Spot for taking care of both myself and my puppy Meeko!!

I adopted a dog from a shelter. I did not know at that time she was heartworm +. I had purchased ins. & upon submitting the 1st claim, it was held up for records they said they needed. Both the vet and I had sent them repeatedly. They were looking for two years when I just had two visits.. Same thing happened with the second claim submission. Well checks with shots I understood to be covered, but apparently you can't get a rabies and another preventive vaccine at the same time, which I didn't get, nor was it explained well. Maybe it's just because I don't understand all the jargon, but I feel like it should be easier than it is. On the plus side, customer service has always been a delight to deal with.

I had reservations signing up for another pet insurance after I had been with 24Pet for 13 years. However, I never had this kind of service and claim updates - it's a breath of fresh air to have someone actually work for you. Highly recommended.

Spot Pet Insurance is so easy to work with and they pay claims very quickly! Filing my claims can be done online on their website, they respond quickly to advise me of my claim status and reimbursements are sent directly to my bank account. I couldn’t be happier with Spot Pet insurance!

I don't think I had my policy for a month when my oldest dog was bitten by a copperhead. Normally I wouldn't be concerned but it soon became apparent that this wasn't a normal bite. My usual vet at that time didn't have any antivenom in stock and they were too busy to see her so I had to go to an emergency clinic. Needless to say Spot took care of everything without question. Everyone is fine today.

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.

I attempted to download a very small invoice from my vet and was unable to due to the file size of the PDF. This has made it more difficult for me to submit three claims for my cat, Frankie. He is suspected to have lymphoma so it is important that I be able to file my claims without jumping through hoops. I was able to download my receipts for visits last year, I don’t understand limiting the size of files.

Spot Pet Insurance. I have my two Chihuahuas insured with Spot. They are wonderful. They deliver on what they promise and they reimburse you very quickly. Never a problem. I highly recommend spot insurance. They’re awesome. If you call customer service they are also excellent. Always polite and always very professional.

The customer service team is super. Being that I have an insurance/customer service background, I understand EOBs. Thus I'm able to discuss them when I have questions. I've contacted them a few times and they are able to explain more in depth. They explained that when that years run the date your baby's coverage starts,

I've been happy with Spot Insurance in the 8 months since enrolling my dog. The reimbursements to date have been minimal but those are only for immunizations etc. I'm glad to report we haven't had any accidents or serious illness.

Many times you expect a fight when contacting an Insurance company with a claim. This was not the case with Spot. Their people were very friendly from the first call to the last. They gave me no grief and paid my claim.

Spot has been nothing but amazing with reimbursements for my 7 year old boxer/lab. I have not had any issues with claim reimbursements and there have been a number of them as she was diagnosed with plasma cell tumors and kidney disease. Truly deserving of 5 stars as they have been so smooth to work with in regards to submitting claims and claim approval. My Daisy is getting to live her best life because of this insurance!

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.

I signed on with Spot a couple years ago. They are a great company with good communication. It's so easy to email my invoices to them for claims. They respond in a timely manner. They break down everything showing what's covered and what isn't. Very easy to understand. Highly recommend.

I had an excellent experience with my pet’s insurance. I sent in my documentation and they quickly responded and mailed me my savings in return. Easy process too to follow and easy submission method as well. Happy I selected Spot as my insurance for my pet.

First time having insurance for one of my pets. Great customer service throughout the entire process. Every question was answered efficiently and with a caring ear. When your pet is injured or experiencing something stressful Spot gives peace of mind. Easy and quick when filing a claim. Uploading vet records couldn't be easier. The claim was paid in 3 weeks! I will never own a pet without having spot pet insurance.

I discovered this company surfing the internet, read about it and like what I read and signed up. So far, so goood. No complaints. Also recommended it to my son. Very good Service and satisfied. Prompt courteous service. Would recommend again.

Shortly after switching carriers I had two significant dental claims. They were handled quickly and very efficiently. After submitting the required documentation, they were processed expeditiously. Luckily, I have not had to use my German Shepherd’s policy since. I highly recommend Spot Pet Insurance.

I've made a few claims in the last few years since having Spot Pet Insurance and they have all been covered in the way that I was expecting under the basic plan. When our dog had a sudden sickness and needed fluids and all the test run, Spot covered 80% of his entire bill and we couldn't have been happier. We will be customers for a long time to come.

Had pet insurance for little over a year. I have to contest almost every charge, customer service lines refuse to speak with you about any appeals, they just tell you to email a letter from your vet to this corporate email that takes weeks to hear from anyone. Important to note that I work at a vet! Everything could be solved with a quick phone call to answer any questions they have about my claims! I would rate them higher if this wasn't such an issue!

I have an older dog that means the world and she sustained an injury to her right ACL and required surgery. Spot requested documentation and I provided everything that they asked for in a timely manner but Spot took forever to approve my claim and get it paid out. They started making up excuses by saying that needed additional records from previous Veterinarians when there weren't any previous records to obtain. Stay away from Spot Pet Insurance... Far, far away. Horrible customer service.

During a regular visit to the Veterinarian we suspected hip dysplasia. X-rays proved the suspicion correct. Spot covered the holistic procedures required for pain relief without argument and reimbursed my cash outlay quickly. I highly recommend Spot Pet Insurance and thank them.

I got Spot Insurance for my two kittens. With their medical bills and coverage I felt like I was paying for majority of the bills out of pocket. They found every reason as to why they didn’t give me money back for my pet visits. I do not recommend them. Allstate pet insurance offered better deals and way cheaper. Allstate's covered more for my pets medical needs.

Spot Pet Insurance is extremely affordable! Their staff is courteous and caring. When I called to cancel one of my pet's insurance, because of its "passing," I was treated with kindness and understanding. I even received a condolence card. Thank you!

I spent a great deal of time researching pet insurance which can be as complicated as people insurance! My final selection was Spot Pet Insurance and it was the right choice. It is extremely easy to submit a claim and their website is easy to navigate. You can actually get someone on the phone as well which is unique in itself. All reps are kind and courteous. They make the whole process easy.

The company lives up to everything they have offered. No issues at all and it’s the only company that was decent priced for my Great Dane. My reimbursement comes within days from filing a claim and knowing how vets charge. My deductible was easy to reach.

Very professional service, they replied to me very fast (within half day), and solved my issues within 1 day, better than my medical insurance, I will refer SPOT to all my friends that have pets. I hope SPOT has more services and products in the future.

Signing up was easy, and I like how you can customize your plan to meet your needs. I was very glad I had the insurance when only a few months later, my cat went into diabetic ketoacidosis and had to be hospitalized! The total hospital bill was $6800, and with my particular Spot plan (70 percent reimbursement), I was reimbursed $4500. Best of all, when it was time to renew, the monthly payment only went up a tiny amount, and it wasn't because of the claim, it was just because the cat gets older every year so the insurance goes up a tiny bit. I am very satisfied!

I never have to worry about cost when it comes to taking my dog to the vet because I know I’m covered with Spot. Filing claims are super easy and hassle-free using their app. They are relatively fast about paying my claim and also provide a breakdown of what was covered/paid. My accident-prone buddy can rest easy with Spot!

I’m dissatisfied that when I submit an authentic claim with my veterinary’s letterhead on it, that it takes a month to 6 weeks to receive reimbursement. It doesn’t however, take but minutes to pull the monthly fee of $44.95 from my checking account. Big difference!!! Vets are expensive. That’s why I got the insurance but I hate waiting SO long for the money to come back in. They should be more considerate of the processing time.

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!

My young cat had a medical emergency, resulting in almost $4,000 of vet bills. I called SPOT in advance to make sure that his vet expense would be covered. Although they covered much of it, and I knew that there was a deductible, I didn't realize that there are caps on the amount for each type of test/treatment. So, instead of getting the full 80%, I received about 65%. It also took almost a month to get reimbursement. Make sure to read and comprehend the fine print and play out a what-if scenario before choosing the coverage level.

Submitted a claim for an urgent concern for my pet. The team quickly and efficiently processed the claim. The EoB provided the correct level of detail to support the reimbursement. I've used a different carrier in the past and experienced difficulties that were non-existent with Spot!

I was very happy with Spot Insurance. They really took care of me and my pet the whole way of my dog's surgery. I could not be happier with Spot Insurance and I highly recommend them. I will be with them throughout my pet's life.

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.

I found the communication via email and the portal to be great. My questions are answered thoroughly and timely. Coverage and reimbursements was substantial, easily accomplished, and timely. I use the emergency only and find it well worth the cost.

This company is the easiest to navigate and work with and they have great customer service. Coverage is awesome!! I have chosen to stick with this insurance. My pet is happy too, she’s taken care of and I’m pleased with everything.

I am very pleased with the services Spot provides. They try their best to get claims processed quickly with explanation. I have the wellness and illness coverage and it is worth every penny. I would highly recommend all pet owners use Spot insurance!!

We have, unfortunately, submitted many claims. SPOT pays quickly and efficiently. I have had three occasions to call them with questions on upcoming procedures. Each and every time the concern is for Annie and not the financials. Amazing company. At renewal my rate stayed the same. This company is amazing.

I was prepared for a fight when I had to submit a $2k claim for my very sick puppy to Spot. I hadn’t even had the insurance very long and was not confident in pet insurance in the first place. Although it took some time, Spot came through and reimbursed me the amount due. No haggling or requirements beyond documentation of the procedure. This experience makes me happily pay my premium! Really pleased with this company!

Wasn’t pleased with the coverage as the coverage didn’t cover some of my pet’s illnesses or tests for illnesses or the associated medication or if it did cover it the coverage was less than $10. Just didn’t feel the high monthly cost was worth the “coverage”.

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.

I love this insurance. No hassle, easy to file claims and very helpful personnel. They have paid all claims in a timely manner. I would highly recommend them to anybody. Their rates are reasonable. With the cost of pet visits it makes no sense to be without.

Hands down amazing experience. Paid out on both my claims, were great to deal with and unfortunately my dog didn't make it and had to be put down, they backdated my cancellation date to the date he passed (w/out me even asking) and send a sympathy card. Highly, Highly recommend Spot insurance. I will come back when I get another dog. Thanks for the great service.

We adopted a 5 year old Pomeranian from our local shelter. Three months later he stopped eating. We had to bring him to a specialist, after many expensive tests they recommended surgery for a colon tumor. Without SPOT pet insurance we would have no choice but to put him down. SPOT paid for so much, that it was easy for us to pay our part and keep our sweet boy.

Well this was the easiest process I’ve ever had to do for dog insurance. It was recommended by a friend and it was the best thing I’ve ever done for my dog. Not only was easy to set up but also getting 80% reimbursement was fabulous. I will recommend this to everyone of my friends and family.

I'm very happy with the Spot Pet Insurance. I have accidental and illness and added Wellness coverage. The wellness has helped with vaccines and wellness visits. Very easy to upload the vet invoice to their site and reimbursed very quickly.

We have a rescue dog. For two months Spot was saying they needed documentation from before we or the rescue had them. I had to submit it multiple times. I had to call twice to make sure they went through and that someone added the information to our account. The customer service folks are kind, but at the systems level it was annoying.

But I must say, I've had to deal with you with a couple simple claims and you guys make everything no stress and simple - I know now I made the right choice in pet health insurance. Thank you. VinnyB.

We took our 2 month old puppy to the vet for his first check and and start to vaccines And had a quick and easy process to get refunded from Spot Insurance. We got $125 back out of a $175 bill via e-deposit to my checking account. The $125 correlated with our benefits plan. So far very happy with Spot.

Spot has saved me in words I can't describe as they covered major expenses for when my dog was hurt. No, this is not a fake review. Real person who saved $6,000. If you're on the fence or researching a pet insurance to get, trust me it'll be worth it.

Previous claims were processed faster. This most recent one took over 2 weeks. It did overlap a holiday weekend and consideration for changes in procedures related to covid are likely the reason. But overall, we remain pleased with our coverage as well as the excellent customer service!

I'm very happy with Spot Pet insurance. I've used many others and the coverage was lacking to say the least. Not only do they provide the necessary coverage at a reasonable price, but the customer service is outstanding.