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Spot Pet Insurance Review

Find a customized quote easily

Reviews 916

This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which impacts the location and order in which brands (and/or their products) are presented, and also impacts the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

Michael Graw
Michael Graw
Jul. 27, 20214 min read

Spot Pet Insurance summary

Spot Pet Insurance offers flexible pet insurance policies for cats and dogs. You can opt for a standard plan that covers everything from accidents to illnesses, or choose accident-only or preventative care coverage. In addition, you get to choose your deductible, annual payout limit, and reimbursement model.

Pros

  • Flexible plan options
  • Discount for multiple pets
  • No upper age limit for enrollment

Cons

  • Only covers cats and dogs
  • Preventative care is an add-on
Spot Pet Insuranceat a glance
4.8

Editorial score

Online experience

Excellent site with mobile optimization, learning resources and live chat

5.0

Customizable rates and services

Customizable plans and rates, upper age limit

4.0

Claims payout waiting period

Days

5.0

Customer support

24/7 communication and a pet hotline available

5.0

Bundles

Multi-pet and multi-policy bundles available

5.0

Spot Pet Insurance Spot Pet Insurance Visit Site

What's Covered?

Spot Pet Insurance covers any injuries, accidents, and illnesses, including emergency treatments and diagnostics like X-rays and MRIs. Your Spot insurance policy also pays for medications, prescription foods, and behavioral treatments conducted by a vet. Spot’s coverage also includes hereditary and chronic conditions, and will pay for alternative therapies like acupuncture if they are used to treat a covered condition.

Insurance Plans & Pricing

The cost of an insurance policy from Spot Pet Insurance depends on the age and breed of your pet, as well as the annual reimbursement limit, reimbursement model, and deductible you choose. The table below shows how much Spot insurance costs for different types of pets and policies.

Dog Insurance:


Example #1Example #2
Pet TypeAustralian ShepherdAustralian Shepherd
Monthly Price$14.64$52.67
Age33
Deductible$1,000$100
Annual Limit$2,500$5,000
Reimbursement Rate70%90%

Cat Insurance:


Example #1Example #2
Pet TypeMixed CatMixed Cat
Monthly Price$17.01$28.54
Age22
Deductible$250$100
Annual Limit$4,000$7,000
Reimbursement Rate80%90%

If you have multiple pets, Spot Pet Insurance offers a 10% discount for every additional pet for which you buy coverage.

What's Not Covered

Spot Pet Insurance does not cover any pre-existing conditions, even if they are curable. In addition, the company doesn’t cover any routine care, such as teeth cleaning or annual physicals, unless you purchase a preventative care plan as an add-on. If you choose an accident-only plan, only medical expenses directly resulting from an accident (not an illness) are covered.

Waiting Periods

Any insurance policy from Spot Pet Insurance does not take effect until 14 days after you purchase. Spot’s 30-day guarantee means that you will receive reimbursements within a month of filing your claim.

Coverage Limits

Spot Pet Insurance offers annual payout limits from $2,500 per year all the way up to unlimited coverage.

Reimbursement and Deductibles

Spot Pet Insurance offers three reimbursement models: 70%, 80%, and 90%. You can also choose a deductible of $100, $250, $500, $750, or $1,000 per year for your insurance plan.

Claims and Service

Spot Pet Insurance doesn’t require approval before you visit a vet or emergency clinic. Instead, you can simply submit your claim for reimbursement afterwards by using the Spot mobile app or Spot’s online portal. Claims can be submitted up to 270 days after treatment.

To file a claim, all you need to submit is an image of your invoice. In some cases, Spot may follow up with you or the vet to obtain your pet’s full medical records or additional details on the treatment. Spot doesn’t provide an estimate for how long claims take to pay out, but you can check the status of your claim at any time through your online account.

If you need help filing a claim, you can get in touch with Spot’s customer support team by phone or email. Support is available from 8:00 AM to 8:00 PM ET, Monday to Friday.

What You Might Like

Spot Pet Insurance offers customizable insurance plans that cover accidents, illnesses, and injuries after a short 14-day waiting period. You don’t have to get approval before taking your pet into a clinic, emergencies included. Spot will reimburse you for any covered treatment from any licensed vet or clinic in the U.S.

What Spot Pet Insurance Could Do Better

Spot Pet Insurance doesn’t cover any pre-existing conditions, and preventative care treatment costs extra.

Contact Details and Address

Phone:1-800-905-1595

Email: service@customer.spotpetins.com

Address:

303 Banyan Blvd Suite 101,

West Palm Beach, FL 33401

How Spot Pet Insurance Compares


SpotPets Best
Waiting period14 days3-14 days
Reimbursement rate70%-90%70%-90%
Annual deductible$100-$1,000$50-$1,000
Coverage limit$2,500-unlimited$5,000 or unlimited

Bottom Line

Spot Pet Insurance offers flexible pet insurance policies with customizable deductibles, coverage limits, and reimbursement rates. You can also choose to add preventative care to your plan or opt for an accident-only plan. Spot’s coverage might not work with all budgets,  but the fact that you can take your pet to any licensed vet or emergency clinic will be a plus for some pet owners.

Methodology

This review was created using information from Spot’s website and quote tool. It also drew on information from the Pets Best and ASPCA insurance websites.

Spot Pet Insurance Spot Pet Insurance Visit Site

To compare more financial products and read more guides and reviews, visit BestMoney

Spot Pet Insurance Terms & Conditions

*Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply.

For all terms and conditions visit Spot.com. Preventive Care reimbursements are based on a schedule.

Spot On Coverage reimbursements are based on the invoice. Products, schedules, discounts, and rates may vary and are subject to change.

More information available at checkout. Insurance plans are underwritten by United States Fire Insurance Company. 

Insurance plans are marketed and produced by Spot Insurance Services, LLC. (NPN #19246385)

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

Spot Pet Insurance
Spot Pet Insurance
ExcellentReviews 916
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ExcellentReviews 916
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Average
4%
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  • author
    Jennifer Hersh
    Jan 01, 1970
    I’m very happy I chose Spot. …

    I’m very happy to be a part of the Spot family. I was impressed that someone called me after I first signed up and welcomed me and my dog. She was very kind and explained how everything worked and when. Asked me if I had any questions and that if I do in the future not to hesitate to call.

    ...

  • author
    Vitor M.
    Jan 01, 1970
    Very helpful and friendly staff.

    Very helpful and friendly staff.

    ...

  • author
    Vladimir Esterkin
    Sep 20, 2022
    Very good service!

    Very good service!! Quickest claim processing I've ever seen! Overall great experience.

    ...

  • author
    cindi713
    Sep 20, 2022
    SPOT is The Best!

    SPOT makes the claims process pain-free-- with explanations of benefits readily available and easy to understand, as well as fast processing of claims, SPOT Pet Insurance is the best coverage for all of my fur babies.

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  • author
    Allen A Walters
    Sep 20, 2022
    my pet is fine after our vet visit

    my pet is fine after our vet visit. It is always nice to have spot familt protection

    ...

  • author
    Donavon
    Sep 20, 2022
    Wellness Visit

    The process for my baby girl Boots Wellness visit to the Vet was fast and easy with quick Reimbursement, nothing could have gone easier or smoother.

    ...

  • author
    Cristina
    Sep 20, 2022
    Easy to submit claims

    Easy to submit claims, explain my situations, and have them processed timely

    ...

  • author
    Beverly Albritton
    Sep 19, 2022
    Excellent Service

    This was my first claim. It was processed in a timely manner. I was kept informed of the steps being taken and when it was completed

    ...

  • author
    Lianne S.
    Sep 19, 2022
    Spot insurance is just amazing

    Spot insurance is just amazing! Spot has helped me and my dog Roo so much. She has ibd and needs special prescription foods and Spot has helped to cover some of that.

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  • author
    Cory L.
    Sep 19, 2022
    It’s a great feeling knowing I never…

    It’s a great feeling knowing I never have to worry or panic about my pets healthcare. I’ve put in several claims already, and they are all accepted 100% of the time.

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  • author
    Eric Romain
    Sep 19, 2022
    Very good support

    Very good support

    ...

  • author
    Lee Nipper
    Sep 19, 2022
    Claim was processed very quickley

    Claim was processed very quickley

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  • author
    Stephen Howlett
    Sep 19, 2022
    Very pleased with this Pet Insurance

    Very pleased with the coverage and reimbursement of claims once deductible had been met.

    ...

  • author
    Nathalie Faucette
    Sep 19, 2022
    I am very pleased with my Spot policy

    I am very pleased with my Spot policy. I have a senior cat and when she got sick, the medical bills were very high. Spot Insurance came through for me! I can not thank Spot insurance enough!

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  • author
    Nancy Duplechian
    Sep 15, 2022
    Spot Pet Insurance is Worth Every Penny!

    Spot pet Insurance has exceptional customer service. They are always friendly and accommodating when I call with questions. You do get what you pay for so please do take that into consideration when insuring your beloved pets. I would recommend them to anyone.

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  • author
    MRichard
    Sep 15, 2022
    Spot Pet Insurance is well worth the…

    Spot Pet Insurance is well worth the money! They are reasonably priced and pay claims in a timely manner.

    ...

  • author
    Delores Dickson
    Sep 14, 2022
    I put a claim in to date I have not…

    I put a claim in to date I have not heard anything about the outcome just a little bit disappointed

    ...

  • author
    Celia Aguilar
    Sep 13, 2022
    Bella

    I very I am very satisfied satisfied from insurance for my pet they are very nice and very kind and they act very quick on my claims thank you

    ...

  • author
    Jodi Marin
    Sep 13, 2022
    I have had 2 great experiences with…

    I have had 2 great experiences with Spot. They assisted me in calling my dogs vet to get financial information I did not have. I was surprised at how quickly I received reimbursement for payment.Thanx Spot for excellent service!

    ...

  • author
    Alec Schley
    Sep 13, 2022
    Happy customer

    I am very satisfied with Spot Pet Insurance. The customer service team has been very polite and helpful on the phone. When I called about the status of a recent claim, I was quickly connected with an agent; I did not have to spend an hour on hold or navigating an automated phone system. I am also very pleased with the outcome of my claim. Spot reimbursed me promptly and fairly for my dog’s recent health emergency. Overall, a very positive experience.

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  • author
    CJ
    Sep 13, 2022
    Spot Pet Insurance has been invaluable…

    Spot Pet Insurance has been invaluable to me. I got a 2 yr old dog that is now 3. He needed to be neutered, vaccinated and micro chipped so I signed up for preventative, not thinking a three year old would have illnesses and emergencies. Glad I signed up for it all. Didn’t really know what I was getting into…there are other issues. The last bill I submitted had a estimate included for an ultrasound that Spot never addressed. That’s why I gave them four stars instead of five. We are going ahead with the ultrasound… Don’t know if it will be covered or not. Hope so…they have been helpful so far.

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  • author
    Sanjeet Thadani
    Sep 13, 2022
    Our little puppy had xylitol poisoning…

    Our little puppy had xylitol poisoning ( through chewing gum or a piece of cake) at the park and had to be admitted into hospital for 4 days - the docs didn’t give her much of a chance to survive as her liver enzymes were off the charts - but she made it and spot insurance made it so easy for us - they kept their promise and we got paid within a week of our doggie getting discharged - these guys are good!

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  • author
    Kathleen Nesbo
    Sep 12, 2022
    My dog faces a health crisis.

    My dog, Roxy, was healthy when I purchased SPOT Insurance but six months later Roxy woke up totally blind. It was quite a shock and I was impressed with the ease of getting help with her bills. SPOT has covered Roxy’s veterinarian bills quickly and efficiently. I would recommend this insurance to any pet owner.

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  • author
    Sandra C
    Sep 12, 2022
    Great experience with Spot Insurance

    Great experience with Spot Insurance. The claim process is very quick! You really get what you pay for with this company.

    ...

  • author
    Rachel Archibald
    Sep 12, 2022
    Really easy and helpful

    I've only had spot for a few months but we have needed to use them and the claims are easy to submit and you get updates and a claim status quickly. Once the claim is approved the money is in my account the same day. When I called customer service the first time I submitted a claim they where super helpful. Would recommend.

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  • author
    Bernadette Garcia
    Sep 12, 2022
    Great pet insurance that fits my budget!

    Great pet insurance that fits my budget!

    ...

  • author
    Liz Vinas
    Sep 07, 2022
    Gift from Spot Ins.

    It is nice to get a free gift for signing up to Spot Insurance. I haven't used the insurance yet but my dog is getting some tasty treats from Spot! Thanks!

    ...

  • author
    Jacob
    Sep 06, 2022
    My cat Ingested a foreign object!

    My cat recently had a bowel obstruction caused by eating a staple. The claim process was very straightforward and simple. The diagnosis and procedure were both covered and both claims were handled with ease and quickness. Not what I have come to expect from insurance claims. It was refreshing! My cat is happy healthy again! I am a very happy customer as this insurance really had our backs and lessened the blow by nearly $2,000.

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  • author
    Donnie
    Sep 06, 2022
    My 2nd and 3rd claims with Spot went…

    My 2nd and 3rd claims with Spot went much smoother and more quickly than the first. I was concerned with the difficulty of that one but am now reassured.

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  • author
    Angela C
    Sep 06, 2022
    Security in protection

    So far we are very happy with Spot Insurance. Claims are so easy to submit and reimbursement is quick!

    ...

  • author
    Anonymous
    Sep 06, 2022
    Great service!

    My claims are always processed very quickly. I have talked to a rep for some questions and he was very helpful and courteous. Good service all around!

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  • author
    Mary Kay
    Sep 06, 2022
    Compassionate and easy claim submission …

    Straightforward- simple to understand pet insurance. Customer service is compassionate and extremely helpful.

    ...

  • author
    Erika Kozak
    Aug 31, 2022
    Spot's The Best!

    Spot is easy, convenient and super helpful caring for our pup! 10/10 recommend!

    ...

  • author
    Jen
    Aug 31, 2022
    My 2 yr old Morkie needed emergency…

    My 2 yr old Morkie needed emergency surgery after swallowing a watch band. This was an extremely stressful event for us. The ease of submitting the medical bills to Spot took some of the stress off our shoulders so we could spend our time helping Keiki recover.

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  • author
    Linda Gagnon
    Aug 31, 2022
    Excellent through and through and not…

    Excellent through and through and not time consuming either. Much appreciated!

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  • author
    Sara M
    Aug 29, 2022
    Wow - Awesome Experience

    Wow - from the easy user interface to submitting claims, to the quick resolution of my claim and direct deposit in my bank account - I'm super happy with Spot. Everything about using Spot has been great so far!

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  • author
    Robert Garcia
    Aug 29, 2022
    Excellent service and response

    Excellent service and response. Claims are processed efficiently and paid expediently. I will recommend Spot Pet Insurance to everyone!

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  • author
    TRINA
    Aug 29, 2022
    Spot pet insurance is amazing

    Spot pet insurance is amazing! When the unexpected arises , having this insurance is simply peace of mind! Of course we would love to believe there will never be an emergency or an unexpected event but, life happens! Knowing that your fur child is covered is very comforting. Spot covered my previous dog and I wouldn't ever be without it, my current pup had some eye issues that called for a specialist , that's a little pricey outside of the vet , it was comforting to know I could go with less worry about the financial end and get him taken care if! Spot is very fast and accurate with reimbursement!Thank you!

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  • author
    Jamie E
    Aug 29, 2022
    Awesome!

    Awesome!! Claims are processed quickly and reimbursements are fast as well. Inclusions/exclusions are clearly stated. My plan is exactly what i signed up for. Nothing questioned so far. Overall, my coverage has been terrific.

    ...

  • author
    Wenlin
    Sep 12, 2022
    Smooth and easy claim process

    Smooth and easy claim process. I can do everything on my phone. The claim gets processed within a week. It’s so great to have the insurance as my back, I can focus on my pet’s health care, instead of being stressed out about the financial part or making a life/death decision prematurely. I can maintain and improve my pet’s quality of life as he has improved mine.

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  • author
    Kelee
    Aug 29, 2022
    Vacation Nightmare Turned Dream with SPOT

    Went on a three-day vacation and my dog got very sick the first night! Turns out...he had eaten a rock before we had left home. We had to find an emergency vet at 2AM in a town we were not familiar with. Paid for an emergency surgery, and the overnight and 24 hour observation post surgery. We submitted a claim to SPOT a couple days later. Within a week, SPOT had reimbursed me the 90% minus my deductible. Even better, they had deposited the money into my account!! Great service especially during a time with a new vet, out of town and out of our minds!! SPOT gave us complete and total peace of mind!

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  • author
    Elizabeth Harmel
    Aug 29, 2022
    I just rescued a puppy a few months ago…

    I just rescued a puppy a few months ago and decided to give spot a chance. I have a great policy and they are the best. I took my little one to the vet and put in a claim, they were very fast at filling that claim. I already got my refund back. They are a super company for your wonderful furry friends. Would recommend this company highly, keep up the great work spot.

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  • author
    Debbie Merritt
    Aug 29, 2022
    Poor claim reimbursement to the owner

    Still have yet to get reimbursed for the past claims that I've submitted. They sent the reimbursement checks to the vet clinic instead of to me even though it was marked on the claim form to reimburse me the owner. They sure don't mind taking their monthly premium out of our checking account every month but she to have a hard time reimbursing people. Won't recommend to anyone

    ...

  • author
    Geoffrey Bruce
    Aug 29, 2022
    I have been very pleased with SPOT

    I have been very pleased with SPOT. Setup was easy, I just made my first claim on my new puppy for her puppy visits and the process was simple and it was processed quickly. I hope I never need to make a claim for anything but regular care, but if the service is as good I'm at least not afraid of the Financials if I do.

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  • author
    Daniel Rivera
    Aug 29, 2022
    My claims were promptly reviewed and…

    My claims were promptly reviewed and accepted with no problems. Spot seems to really care about their customers.

    ...

  • author
    Annette Cane
    Aug 27, 2022
    Disappointed

    I am not very happy with the experience I've had with spots so far you advertise quick reimbursements I don't feel that this is true I filed my first claim on July 19th of 2022 I am still waiting for my check from that

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  • author
    Leona Strader
    Aug 29, 2022
    I would have given them no stars but…

    I would have given them no stars but that is not an option. I signed up for insurance with Spot insurance after I did research and called to see if a sprained foot would be considered a pre-existing condition. I was told no it would not be. I submitted a claim and it was denied due to a re-sprain. Where in the world of pre-existing conditions would a re-sprain be considered pre-existing that makes absolutely no sense. A sprain is an accident unforeseen. I asked to have the policy canceled flat as I would not have purchased the policy if I was given the correct information and they wouldn’t do that. They do not tell you everything when you sign up and you sign up under false pretense- fraudulent!!!! Awful company with terrible customer service and business practices

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  • author
    Bailey Taylor
    Aug 26, 2022
    Love Spot

    I love getting 90% back! I love this company. Makes owning a pet and all of the mishaps that happen with pet ownership so much less stressful.

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  • author
    Faisal Nazir
    Aug 24, 2022
    big unexpected pets bills thanks i got…

    big unexpected pets bills thanks i got spot insurance so almost 55 to 60 percent bills are covered

    ...

  • author
    LYNN PLENZLER
    Aug 24, 2022
    Thanks for reviewing my insurance…

    Thanks for reviewing my insurance submittal. Sincerely, Lynn plenzler

    ...

  • author
    Gloria
    Aug 24, 2022
    First claim

    Very prompt with claim and easy to file

    ...

  • author
    Hannah
    Aug 23, 2022
    Great Pet Insurance.

    Everything about spot pet insurance is great. Claims are very fast. And whenever there’s missing paperworks they let me know right away so i can send it to them. Plus you can customizethe insurance.

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  • author
    John Leber
    Aug 23, 2022
    Quick / Accurate / Timely …

    My questions are always addressed quickly and timely we little to no follow-up required

    ...

  • author
    Randy LaFeve
    Aug 23, 2022
    Easy to submit claims through app ..

    Easy to submit claims through app ... Reimbursement in less than a week. Have never had a problem with a claim being denied.

    ...

  • author
    Pat
    Aug 23, 2022
    EXCELLENT INSURANCE FOR BOTH OF MY PETS

    EXCELLENT INSURANCE FOR BOTH OF MY PETS

    ...

  • author
    Robert D.
    Aug 23, 2022
    Spot was exceptionally fast in…

    Spot was exceptionally fast in processing our claims! What a relief for us to be able to focus on our puppy’s health and not worry about the substantial costs for care. Spot did an outstanding job all the way around!

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  • author
    Corinne
    Aug 23, 2022
    The submission was easy

    The submission was easy, and the processing was quick. I expect my reimbursement check soon.

    ...

  • author
    Cathy, The Caregiver Wife Podc
    Aug 23, 2022
    I am very impressed with Spot insurance…

    I am very impressed with Spot insurance and feel peace of mind. The submission of claims are easy and simple. My only wish is that there is a FAQ for coverage. IE: Does my plan cover spaying? Does my plan cover prescription food? Thanks for offering a great product and the great service.

    ...

  • author
    Suzanne Seligman Wright
    Aug 23, 2022
    I went with Spot because of the coverage and turnaround time for reimbursement.

    I went with Spot because of the coverage offered but also because they boasted about reimbursement within 3-4 days. It took 2 weeks to get my 1st reimbursement from a dog attacking my dog. I'm grateful he had coverage but wished a claim that was as clear cut as the one I submitted was reimbursed sooner. Same with the claim I submitted on 8/17. It said there was a 3 day turnaround. I know I needed to upload some forms, which I did immediately. I'm still waiting for underwriting and my claim still says I need to upload forms but I already did that and sent in everything I have.

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  • author
    Shamara
    Aug 23, 2022
    Works well for the most part

    Works well for the most part, my main complaint is that the claims take a long time to process.

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  • author
    Kristen Piper
    Aug 23, 2022
    You keep asking for medical records…

    You keep asking for medical records from December 2021. But penny has not gone to the vet from December until this visit I submitted a claim for. You have all of her medical records.

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  • author
    Barbara Vee
    Aug 21, 2022
    Glad I found & signed up!

    They have helped me a lot. That I am thankful for. We have 2 service dogs semi retired (can't tell them that) but when one is hurt of sick it helps a lot when Spot comes through with $$, goes straight to my bank, no checks to handle, cash etc. Thank you for your program & helping us out!

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  • author
    Vanessa Alvarez
    Aug 18, 2022
    Highly recommend Spot

    Spot as come through every time for my dogs. Prompt reimbursement, I've never had to even call to follow up. I have the max coverage for my senior pup and have no complaints.

    ...

  • author
    Chris
    Aug 18, 2022
    A+++ for Spot

    All I can say is your guys were awesome with everything. You were very timely in getting the requests approved, reached to us with any questions, resolved matters in a timely manner (quickly), and reaching out to us when our Sam passed was something unexpected and very thoughtful. Thank you again for assisting us with Sam.

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  • author
    Gabriella Gladding
    Aug 18, 2022
    Long wait, Wrong compensation back

    It took 2 weeks for compensation and I only received 70% back even though I pay for the 90% back plan monthly.

    ...

  • author
    Zanyette Mitchell Zee
    Aug 18, 2022
    Amazon Gift Card from Spot!!

    I just adopted a kitten her name is Blair Zoe and I looked at multiple pet insurance companies but i went with Spot and so far so good! My claims wrte paid very quickly and i just recieved a 25.00 amazon giftcard just for being a customer.

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  • author
    Dorothy Woodward
    Aug 18, 2022
    Spot is a very easy site to use

    Spot is a very easy site to use. It only takes a few minutes to submit your claim and they handle it from there. The service is excellent and they are fast to settle it and reimburse you directly. It couldn’t be a better experience or more simple and straightforward. Thank you everybody at Spot!

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  • author
    customer
    Aug 17, 2022
    Great overall experience

    Great overall experience. Good company with a great customer service!

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  • author
    Kasia Patriak
    Aug 17, 2022
    I love this insurance !!!! It's a must to have it.

    I love to be a part of this insurance. Very fast process of the reviewing my claim. Fast money deposit. I have all my 3 cats cover with Spot Family and I am recommending it to everyone. Thank you SPOT !!!

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  • author
    Kathy Strough
    Aug 17, 2022
    We got this insurance 7 months ago

    We got this insurance 7 months ago, and our 4 year old morkie tore her ACL while we were on vacation in another state. They didn’t question anything and have been fantastic taking care of all the claims related to this. I don’t know what we would of done if we didn’t have them for insurance. I strongly recommend them to anyone with a pet.

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  • author
    Angela Henson
    Aug 17, 2022
    I have had some confusing claims and…

    I have had some confusing claims and anytime I call in customer service has been professional, helpful and got things taken care of quickly. They always follow up and I really appreciate that.

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  • author
    Leah
    Aug 17, 2022
    Ease of coverage with Spot!

    Claims are always processed quickly and with detailed explanation of why applied and what didn’t. It’s easy to navigate the app, online and the polices and I feel great having our fur babies covered by Spot!

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  • author
    A Ladetto
    Aug 10, 2022
    Very disappointed with this insurance…

    Very disappointed with this insurance coverage as our puppy was diagnosed with a congenital heart defect (which our policy covered congenital) that they wouldn't cover claiming it was a pre-existing condition. If you want congenital coverage, my recommendation it that you purchase the policy prior to the puppy being born so it's not pre-existing, if you use SPOT. Now we won't have any coverage for his treatment as his now diagnosed heart condition IS NOW a pre-existing coverage which no one will touch. Also, they also only covered $20 for a routine puppy visit telling us that our vet charges too much nor would they cover the heartworm med our vet selected as it was not on their approved medication list.

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  • author
    Joseph Torello
    Aug 10, 2022
    Had my first trip to the emergency vet

    Had my first trip to the emergency vet, dog is fine , everything with SPOT went very smoothly. Thank You SPOT

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  • author
    Fernando Pleitez
    Aug 08, 2022
    The registration process was easy

    The registration process was easy and straight forward. They also honored me a discount from work even after I had already registered. However, I haven't had the need to process a claim so I haven't been able to see them in action.

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  • author
    Desert Star
    Aug 07, 2022
    I’m pleased with them after rocky beginning

    I have had this ins now for 10 mos with numerous claims. The ver first one was a nightmare and took 6 week to get reimbursed.Since then, no issues at all. Direct deposit to ck acct in about a week. It also depends how fast and competent your vet is gerri g the exam report to them. I was thinking of switching but their fees are comparable for what you get. Did I mention this is a Cesar Milan spokesperson ins?😊

    ...

  • author
    Melissa Samora
    Aug 07, 2022
    I juat sign up for spot insurance

    I juat sign up for spot insurance. It was easy, took me less than 5 minutes, seem promising. The only problem is that I have been trying to access the Spot app and it just loads and tells me "error prossessing my request to check my network" but it ain't the wifi. What's going on. I don't want to have issues before It even starts. If yall can't get an app to work how can I trust you with my babies?

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  • author
    Phyllis Turbin
    Jul 26, 2022
    App is inaccessible

    I can't even access the app to get on my account. I hope the isn't a bad sign to the service.

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  • author
    Rebecca Seller
    Jul 26, 2022
    I am a new Spot Pet insurer

    I am a new Spot Pet insurer. So far everything as promised. That you.

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  • author
    Frida S
    Jul 23, 2022
    Appropriate the service and the Amazon…

    Appropriate the service and the Amazon gift card

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  • author
    Ruth Graves
    Jul 21, 2022
    too many emails requesting invoices…

    too many emails requesting invoices after they have been sent more than once. requesting invoices after the surgery that did not exit. too slow on receiving check on my claim. Submitted 6-16-22 still waiting today is 7-21-22

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  • author
    Phoenix Dee
    Jul 21, 2022
    Great customer service and prompt…

    Great customer service and prompt paying of claims.

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  • author
    Patricia Allen
    Jul 20, 2022
    Smooth process

    The claim process is very simple. My claims have been handled very quickly and efficiently. I have also appreciated the customer service provided when I had some questions.

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  • author
    Grainne Ward
    Jul 20, 2022
    This is my first experience with pet…

    This is my first experience with pet insurance so I didn't know what to expect. I am very happy with my choice of Spot. Filing a claim was easy. The response was timely and there was no quibbling about coverage. Direct deposit makes payment receipt a breeze.

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  • author
    Charles Mason
    Jul 20, 2022
    It is great

    It is great. Very easy to summit a claim and quick processing. I have no complaints.

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  • author
    Melissa K
    Jul 19, 2022
    Spot is a life saver

    Spot truly has been a life saver (literally) - I don't know how I would have been able to get the treatment my puppy really needed without them. They have been so quick and responsive and I am so thankful that I have pet insurance. I have recommended Spot to all of my friends and family members with pets after this positive experience!

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  • author
    Annette B
    Jul 19, 2022
    Spots #1

    I have been so happy with Spot ins. They handle my claims fairly quickly and their customer service when I have had to speak to them, has been excellent! I refer whenever asked who I use and will continue to

    ...

  • author
    Virginia Barnes
    Jul 19, 2022
    Pumpkin insurance.

    I like this insurance. When I submit my claim. It doesn't take long to get reimbursed. Everything is very easy and quick to submit.

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  • author
    Julie Partridge
    Jul 19, 2022
    Very easy company to work with and…

    Very easy company to work with and great communication on submitting the claims on line.

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  • author
    Risa Roe
    Jul 19, 2022
    Great coverage - excellent customer service - easy to use!

    I highly recommend Spot Pet Insurance. I have a lab... need I say more? He has been a very accident prone, rock eating, cheat grass attracting hunk of burning love with orthopedic issues as well. I have insurance on both my pets. Although, one has never used it (YAY) the other has made up for it. Having an animal with health concerns is bad enough, having great insurance with excellent customer service that really cares takes at least some of stress away! Spot Insurance seems is really user friendly and has live people available to help when needed! I am a pet insurance believer now!!

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  • author
    Emily H, MD
    Jul 13, 2022
    I pay the highest rate/most coverage

    I pay the highest rate/most coverage. Was denied an entire claim for getting my dog neutered with no explanation. Cant get ahold of anyone VIA their phone and cant find anywhere to be able to cancel the plan on their site. Also this is the only place that I can find to write about my experience and warn people. You just try to look out for your pets and this is what you get.

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  • author
    Kendra Avant
    Jul 06, 2022
    Why does nothing work?

    I have tried adding coverage for a new pet multiple times from multiple devices, and each time, the page gets stuck "loading." Twice, I have emailed customer service asking for help and have never received a response. Today, I downloaded the app hoping maybe it would function properly. After entering my login info (which I verified was correct), I was stuck with a forever loading pinwheel. It's only with this app, none other. It alarms me that I'm unable to contact anyone or get Spot's platforms to work across multiple devices. What happens when a real issue arises??

    ...

  • author
    Louisa Torres
    Jul 03, 2022
    Well I never received my gift card

    Well I never received my gift card . So can I get it sent to my new address. 1308 Flower St. Apt.A Bakersfield,Ca.93305. Thank you

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  • author
    J.Rose
    Jun 29, 2022
    Great company!

    So glad that my husband and I decided to get insurance for our puppy. After an unfortunate accident, he required extensive surgery to repair a broken leg. SPOT reimbursed us almost $4,000.00 which was 80% of our claim. They processed the claim quickly. I had to contact them a couple of times for other issues and was very pleased with their customer service. I would highly recommend this insurance company.

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  • author
    Jvan Jovanovitch
    Jun 27, 2022
    They used to cover the prescription…

    They used to cover the prescription food that my dog needed and they stopped paying. Very frustrating company to work with

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  • author
    Andrew
    Jun 27, 2022
    Comparing Spot with others

    Both our cats got sick at the same time. One has Spot, another has a different insurer. So we got to compare the difference in responses and ease of use. Spot was incredibly easy to use and kept us up to date on the status of the claim. Would absolutely recommend!

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  • author
    Farah Cruz de Rojas
    Jun 25, 2022
    Pude comprar en Amazon muy facil

    Pude comprar en Amazon muy facil

    ...

  • author
    Zoe M
    Jun 23, 2022
    Hassle free

    Great service with low deductible, high reimbursement options. It was super easy to submit my claim and I was reimbursed very quickly. I’m very satisfied and would def recommend!

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  • author
    Evangeline
    Jun 22, 2022
    Appeal

    I had to submit an appeal for a claim that was denied. I spoke with a representative at SPOT and was told it was denied because it was classified as a pre-existing condition because of the symptom diarrhea was listed. I disagreed with this decision. The representative told me that no medical records had been requested and that I could file an appeal. I submitted an appeal and the medical records. After reviewing the appeal and medical records, my claim was reprocessed and was completed. I rated 4 stars because I thought the insurance company would have requested the medical records in order to make a better determination of the claim.

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  • author
    Boxer Mama
    Jun 22, 2022
    No regrets!

    Before signing up with SPOT, I had done a lot of research of pet insurances and decided on SPOT because of the philosophy that they want pet insurance to become more mainstream to help reduce pet euthanasia due to owners being unable to afford vet bills. They also seemed to have quite comprehensive coverage, including some common issues with the particular breed of dogs that I own. This is my second year with SPOT and I have been very pleased with the coverage they have provided for both my boxer puppies. Unfortunately these two dogs happen to have multiple issues and are frequent flyers at my vet's office; one even needs prescription dog food. Having SPOT insurance has been a lifesaver to our bank account! It is easy to file claims online and reimbursements are direct deposited into my account. When I did have issues online or any questions, SPOT representatives have been very pleasant and helpful. I would highly recommend to any pet owner!

    ...

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