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Spot Pet Insurance Review

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Reviews 474

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
May. 03, 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
4.6

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

4.0

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

Spot Pet Insurance at a Glance

Pets covered Dogs, cats
Waiting period 14 days
Deductible $100 - $1,000
Reimbursement model 70%-90%
Suitable For Customizing your insurance plan

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 #1 Example #2
Pet Type Australian Shepherd Australian Shepherd
Monthly Price $14.64 $52.67
Age 3 3
Deductible $1,000 $100
Annual Limit $2,500 $5,000
Reimbursement Rate 70% 90%

Cat Insurance:


Example #1 Example #2
Pet Type Mixed Cat Mixed Cat
Monthly Price $17.01 $28.54
Age 2 2
Deductible $250 $100
Annual Limit $4,000 $7,000
Reimbursement Rate 80% 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


Spot Pets Best
Waiting period 14 days 3-14 days
Reimbursement rate 70%-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.‎

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See what some costumers are saying about Spot Pet Insurance
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PoorReviews 474
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  • author
    Daisy Cortez-Bear
    4 days ago
    New to SPOT

    I just got the insurance and have not needed it so stay tuned. My next puppy visit is in a month but the first two were perfect so I only anticipate wellness:)

    ...

  • author
    Elaine K.
    4 days ago
    Easy to sign up

    Easy to sign up, loved the "attitude" happy site!

    ...

  • author
    Christina Schaeffer
    Jul 20, 2021
    Quick and easy!

    Quick and easy to sign up for and very explanatory about services included and extra services available for purchase. I really hope I don't end up needing this insurance for my dog but I am so happy to have it!

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  • author
    Kiera Kauffman
    Jul 18, 2021
    Great experience so far!

    Although I have not had to submit a claim yet, SPOT has been easy to work with and I've appreciated their occasional emails with helpful pet care tips. It's reassuring to know that SPOT will be there for me and my pets when we need them!

    ...

  • author
    Barbara Wiley
    Jul 18, 2021
    My Amazon gift card had not arrived, but..

    My Amazon gift card had not arrived. You provided such great customer service getting the gift card to me in less than 2 days after I reported the problem. I appreciate your quick response to my request.

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  • author
    Cristal Rodriguez
    Jul 16, 2021
    A Company with Heart

    Never have I experienced such compassion and understanding from a company as I have from Spot. My cat friend passed away and they called me to ask how I was doing and needed anyone to talk to. Not only that but they also sent me a card with a hand written note in it and I was truly touched. I originally went with this insurance because it was the most affordable I could find but little did I know how amazing and sweet the whole team is. Thank you so much to everyone <3

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  • author
    Rajesh. R
    Jul 16, 2021
    Enrollment was a breeze

    The website and content were easy to understand. Enrollment was a breeze. it took less than 10 minutes to get it going.

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  • author
    AnnM.
    Jul 15, 2021
    Most affordable prices

    Most affordable prices. More options.

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  • author
    Mark Darley
    Jul 15, 2021
    My two claims were handled extremely…

    My two claims were handled extremely quickly and without any hassle.

    ...

  • author
    Dawn Steirer-Scherer
    Jul 15, 2021
    How would I know if you are a good…

    How would I know if you are a good company yet? It's been less than a week since signing up.

    ...

  • author
    Heddy Summers
    Jul 14, 2021
    Was very pleased with Spot's response…

    Was very pleased with Spot's response to my Candy's needs. My only regret is I have to cancel my policy since my Candy's passing. Thank You for your help. Daniel & Heddy Summers

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  • author
    Gina Iglesias
    Jul 13, 2021
    Seamless process

    Seamless process

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  • author
    darrell welch
    Jul 10, 2021
    great service with speedy results

    great service with speedy results. Spot pet insurance is the best insurance that I have Found. THANKS.

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  • author
    Jaclyn Pigeon
    Jul 08, 2021
    Easy to use and quick to sign up

    Easy to use and quick to sign up. Best coverage for a good price 😁

    ...

  • author
    Linda Haas
    Jul 08, 2021
    I am a new customer and have just made…

    I am a new customer and have just made a wellness claim. So far my experience has been good.

    ...

  • author
    Lori
    Jul 01, 2021
    I made an error on my additional pet…

    Spot Pet Insurance has been wonderful! I had made an error on adding my additional pet policy and called to make the corrections- everything was smooth and taken care of. I have a full policy on my puppy and her claim was processed and paid within days. Very pleased with SPOT Pet Insurance! Thank you!

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  • author
    Jennifer Young
    Jun 28, 2021
    Story of my Spicy Cat

    Story of my Spicy Cat, I have had Spot Pet Insurance for my 4 cats for over 6 months. Recently, my 12 year old male cat had a Urinary Tract Blockage which turned into an emergency and ended us up at the Hospital. It was suggested that he have an operation so that he would not become blocked with stones again. At a cost of over $5,000 you can imagine I was hesitant, but considering this surgery would prevent this happening in the future and prevent a possible premature death sentence by not making it to the hospital in time the next time, I agreed to the surgery. I was hoping this would be covered by Spot pet insurance and so Medvet in Worthington OH helped me get an extension on my Care Credit card so that all the cost would be covered. Sigh of relief. For now, everything was going to be ok and my best friend and companion, Spicy cat was getting the surgery he needed. A couple days after the surgery I filed the claim which was fast and easy. Within around 2 weeks I received nearly $5,000 deposited in my bank account. That was exactly the cost of the entire treatment, minus the deductible and I was reimbursed the rate of 90% . Wow, Spot pet insurance saved my cat's life and saved me from literally going through what little bit of money I have worked so hard to save for the past two years. When I signed up for Spot pet insurance I took all of my cats to their initial appointment to make sure there were no health problems and this is something I could not have planned for. This is the perfect scenario of why all pet caregivers should find a place in their budget for the minimal amount that it cost to cover your animals. It can save your wallet and your heart from breaking later. If you are doing the right thing and using the insurance as a back up and not purchasing it because your trying to "get over" on the company when an animal already has something wrong, then you will be pleased with SPOT pet insurance. The peace of mind is well worth the cost. Spot Pet Insurance is now officially Spice approved!-Jen

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  • author
    Debra K
    Jun 27, 2021
    Getting a quote and placing coverage

    Getting a quote and putting coverage in force was very easy. I am only giving 4 stars as I haven't begun using the insurance yet.

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  • author
    Jonathan Steiner
    Jun 22, 2021
    Goodbye Nationwide....hello SPOT

    Wonderful pricing and easy site to navigate thru. Got a much better deal for MILO than with Nationwide who pays NOTHING....and jerks you around for MONTHS for a $50 dollar claim. SPOT seems like the real deal....and although we just signed up...we feel confident they will deliver when a claim is submitted. The nicest thing was 2-3 days after we registered MILO....I got a call from someone at SPOT thanking me for my business.....and wanted to know about MILO....the 'mayor' of Boca Raton.....ALL is good.....

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  • author
    Michael Gansert
    Jun 18, 2021
    She always scrhing

    She always scrhing

    ...

  • author
    S L
    Jul 01, 2021
    SAVE YOUR MONEY AND PETS LIFE

    Same situation as others. Vet said sign up, they are a great service and can help you with your pet's cost over the years. However, months later, my dog gets really sick. They said it was a pre-condition. Which is totally untrue. Canceled the same day. Don't waste your time and money for services and payouts they control. Worse than regular human insurance "Obamacare" and that is saying a lot. Run from this spam! Again, they keep quoting pre-existing when in fact it was not! Do not believe them and just save up the money you would spend on your pet for insurance. All they do with it invest it and make their money so they can in return say that something was pre-existing. Jokers!

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  • author
    Pat Famiglietti
    Jun 11, 2021
    New Client

    Just signed up - needed some help and got immediately - we will see how it goes the first time I have to file a claim.

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  • author
    Jennifer Young
    Jun 11, 2021
    6/11/21 This rating is currently based…

    6/11/21 This rating is currently based on my limited experience with SPOT. I have not yet filed a claim. I am basing this review off off the registration and payment process as well as excellent customer service (which includes real people answering the phones). I am getting ready to go through the claims process and will change this review accordingly if necessary. I pledge to be fair with my expectations and expect that I will be treated fairly according to the terms of the contract (which I read forward and backward before enrolling) but can be very open ended when it comes to diagnosing pets with pre-existing conditions or preventative testing v/s necessary testing as you can see by previous reviews. I truly hope all goes well and I'm able to leave this 5 start rating where it is. I'll update soon.

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  • author
    Ingrid Clark
    Jun 11, 2021
    Fast when it come to process claims

    Fast when it come to process claims

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  • author
    Hannah
    Jun 09, 2021
    Easy to Access

    It was very easy to sign up and the price is very reasonable!

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  • author
    Annette and Adena
    Jun 08, 2021
    Brand New

    I/we, Bodhi and the family are new to Spot Pet Insurance. It’s literally been 8 days since we joined. Bodhi just had a birthday and is now a year old. We won’t know how well this new insurance will work until his next appointment. I/ we will be sure to send a more in-depth honest review then.😊

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  • author
    Susan
    Jun 05, 2021
    Signing up for Spot Pet Insurance

    It was easy to sign up for Spot, and didn’t take very long.

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  • author
    Vivian Castaneda
    Jun 05, 2021
    HELP

    Very new to this pet insurance. Still haven’t received any type of confirmation on her insurance card or any type of number that I can give when visiting my pet veterinarian. Tried calling the customer service number 9 AM my time and the message said I am calling after hours I should be calling 6 AM till 6 PM mountain time? I just need to know what my policy number is so I can finally get my pet to get a regular check up and it seems I can’t get a hold of anyone plus your site doesn’t want to open so I can’t even log in.

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  • author
    Chris A
    Jun 04, 2021
    Just signed up for pet insurance so far…

    Just signed up for pet insurance so far it’s been very simple.

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  • author
    Melanie
    Jun 03, 2021
    Spot has been so easy

    Spot so far as been really easy. Thank goodness we haven't had to use it just yet.

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  • author
    Stef
    Jun 01, 2021
    Very Helpful

    Very Helpful

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  • author
    Pete Karczewski
    May 30, 2021
    Got a call back once i signed up from…

    Got a call back once i signed up from someone checking in with me to see if I had any questions or if i needed anything---what??? Now that's great customer service!!!

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  • author
    Robert Shaw
    May 27, 2021
    They cover a lot at a fair price

    I signed up with Spot about a week ago so I cannot rate their service with claims yet. but they were easy to sign up with. I compared them with about 10 other pet insurance companies. they were not the highest price nor the lowest price. but when I compared what they offered with the other companies, I thought Spot gave you a lot for the money.

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  • author
    Brian
    May 25, 2021
    Very easy to submit claim online

    Very easy to submit claim online. Fast payment by check. Glad we went with SPOT vs. the other pet insurance companies.

    ...

  • author
    Karen M.
    May 25, 2021
    Just got the policy for my 11 month old cat

    Just got the policy for my 11 mo. old cat who's decided a barn plus acres of hayfield and pasture wasn't enough space and has started to go across the busy road in front of our house. Haven't been able to 'reason' or explain to him the dangers in this so figured I d better get him insurance. Hope to never need it.

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  • author
    Doug Graves
    May 25, 2021
    Needed pet insurance for our new puppy…

    Needed pet insurance for our new puppy for the peace of mind that he would be taken care if need be. Was surprised and pleased to receive a call from a SPOT rep asking g if I had any questions about the coverage. I'm looking forward to working with SPOT in the future should the need arise.

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  • author
    Julie Radermacher
    May 19, 2021
    excellent cuastomer service

    excellent cuastomer service

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  • author
    Debra Duncan
    May 18, 2021
    Great so far

    Great so far! Just used them once but it went through in a timely manner! Thanks Spot!

    ...

  • author
    Tessa Hamermesh
    May 14, 2021
    SPOT covers kennel cough

    SPOT Pet Insurance was so helpful when my 1 yr old puppy got kennel cough. I didn't even know what pet insurance was, but a friend recommended I get a policy after I bought my dog and I'm glad he did! They were able to get me reimbursed really fast so I didn't have to worry about paying a ton out of pocket and caring for my puppy at the same time. Definitely going to recommend this to my friends!

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  • author
    Cristina Fernandes
    May 14, 2021
    I love SPOT!

    I have a 1 year old Spynx cat who loves to jump off the top of my tall dresser! After getting him on SPOT Pet Insurance, I feel very relieved that if he jumps off and hurts himself, he will be covered! I have had both dogs and cats in the past who had Urinary issues and each vet visit was way too much for me to handle financially. Thank you SPOT for making me feel safe!

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  • author
    Jacky Ferro
    May 14, 2021
    SPOT helped save my German Shepard

    I love SPOT Pet Insurance! Our German Shepard mix got into the trash and had to get her stomach pumped, but SPOT took all the worry away from having to pay the whole $3000 bill. Getting reimbursed was super fast and easy. We are getting another dog soon, and the first thing I plan to do is get another policy! Thank you SPOT for giving me peace of mind and protecting my little rascal! I'd highly recommend this pet insurance for any pet owners, it's the best thing I've ever done for my dog.

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  • author
    Sue Oneal
    May 12, 2021
    I have both my dogs covered and one dog…

    I have both my dogs covered and one dog needed surgery filed a claim and in two weeks there was check in bank account. Very easy to file easy to understand how to file and if you have any question you can call and they are very helpful in answering any questions that you have. Just can't say enough about this company.

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  • author
    Gail Karschner
    May 12, 2021
    I just joined but so far so good.

    I just joined but so far so good.

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  • author
    Mary Verducci
    May 11, 2021
    I found the site very easy to navigate…

    I found the site very easy to navigate and the response to get a quote was immediate. I also liked the comparison chart. I have also received a follow-up call welcoming me as well as an email with pertinent details. I appreciate all the customer service details.

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  • author
    Christine Belfiore
    May 10, 2021
    Too new to confirm but good communication.

    I have not had the need to use the insurance to date, but communication has been great and easy to understand thus far. I liked the ability to customize what I needed for insurance.

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  • author
    Max
    May 04, 2021
    So far so good

    So far, SPOT has been wonderful. We reviewed several pet insurance providers before deciding to sign up with SPOT as they cover everything (if not more) that other providers cover, for a cheaper premium. We’ve had one incident with our pup since enrolling with SPOT and their claims center was very user-friendly. Once we submitted the claim, SPOT did all the work to contact our vet to compete the claim.

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  • author
    Ted Barrett
    Apr 29, 2021
    Spot Insurance Seems Great

    I haven’t used them yet, so I can only comment on the product offering. Excellent coverages and rates. I’m happy to have piece of mind my puppy is covered! I even purchased the preventative care. Thanks Spot! I’ve already recommended 2 frie as who have also purchased policies.

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  • author
    Pete Marin
    Apr 26, 2021
    I found Spot affordable and easy to…

    I found Spot affordable and easy to ,understand. Thankfully I have not had to use it yet. When I do, that will be the real story on if they are worth it or not.

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  • author
    Joanna Romo
    Apr 23, 2021
    I ended up paying about $2200 for…

    I ended up paying about $2200 for dental extraction and cleaning for my older dog. After paying about $1200 in premiums I will only receive $150 back. That means that I ended up paying $3400 in total for the vet bill and pet insurance and will receive only $150 back. What I have found out after doing extensive research on pet insurance, is that its not worth it. Many insurances don't cover lab fees, x-rays or medications so when you end up paying a large bill you think you are going to get 80% back. That's not the case, make sure to look at what the insurance covers and their policy on preexisting condition. They will find any excuse to not cover majority of the cost, but what can you do? You already have to pay the full cost up front! and then you have to wait and see if some of it will be reimbursed?? If I had done better research I would have started a savings account where I could have put the same amount as the monthly premium into that account and made sure to have a credit card that I could use to cover the cost. I ended up paying an extra $1100 when I could have saved that money to pay towards my dog's dental procedure! They made an almost 100% profit. Pet insurance is definitely a scam. Much worse than having car insurance, only that with this you have a choice on whether to have it or not. Save your money and put it into a savings account for your pet!

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  • author
    Sal
    Apr 23, 2021
    Stay away from this insurance

    Stay away from this insurance. They took away my whole $1200 they bended backward to find any loop in their policy NOT to cover my dog operation. Then they refund $4.50 out of my $2000 bill. I call this a simple s-c-a-m.

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  • author
    Natalie Zigman
    Apr 19, 2021
    5 stars insurance !

    5 stars insurance !

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  • author
    Leah Solomon
    Apr 19, 2021
    I just signed up for pet insurance

    I just signed up for pet insurance. Is Spot good pet insurance? I haven't the slightest idea. I can tell you this though. The customer service agent who helped me through the initial signing-up was great. He explained my options, and we came to an agreement w/o any hassles at all. I would definitely check them out.No obligations on asking questions, no pressure what's-so-ever!

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  • author
    Susan DuMoulin
    Apr 16, 2021
    So happy to become part of the family

    So happy to become part of the family. Everyone is so professional and kind. Show a lot of love for our per

    ...

  • author
    Steven Flores
    Apr 15, 2021
    Super easy and affordable love it

    Super easy and affordable love it

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  • author
    C good
    Apr 14, 2021
    Doesn't cover even 50% of my wellness…

    Doesn't cover even 50% of my wellness exam visits. Reimbursement has taken over 7 days. Pumpkin Pet Insurance is a better program for wellness and overall insurance product. I won't keep this policy/program after this year.

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  • author
    Charie Poderoso
    Apr 12, 2021
    SPOT Family

    It's like being part of the SPOT family! I like that it is easy to file a claim and the reimbursement process is easy. The website is easy to use and very user friendly!

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  • author
    Dyane Miller
    Apr 05, 2021
    Great

    Great service

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  • author
    Pamela Currier
    Apr 05, 2021
    Beau & Barney Insured ❤

    I'm still in my 2 week waiting period but I'm very excited to have my dog Beau and my cat Barney covered with Spot Insurance.

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  • author
    PC Patchen
    Apr 02, 2021
    Spot insurance is a special business…

    Spot insurance is a special business that does not have good intentions. My dog had a undiagnosed condition that they are calling a preexisting condition and are now denying claims. My Insurance started February 22 and the undianosed condition was supposedly December 1 after the dog went in for her shots and check up. In February we decided it would be good to have the pet ins as the dog was getting older. March 12 the dog went in because we thought she may have developed a thyroid disease. After a day of blood tests they dianosed her with Cushing's disease.What is written in a pets medical records and not revealed to the pet owners is a good reason not to get a policy from Spot Ins. They will not pay claims on undianosed conditions or for them what they claim is something was already preexisting conditions. i have cancelled the Ins after two payments asked for reimbursement a little after 30 days and they gave me the middle finger.

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  • author
    Nisha Williams
    Mar 31, 2021
    Real easy to sign up and I like the…

    Real easy to sign up and I like the muti-pet discounts as well, so far, so good

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  • author
    marcos baez
    Mar 31, 2021
    All pet insurance companies are trash

    All pet insurance companies are trash. I started policy 15 days before I can actually pick up kitten from breeder so that she could be covered for 6 hour drive home and had to cancel because they called me to ask questions and said the 14 day waiting period begins after I pick her up. Despite the "30 day satisfaction guarantee" they allege they will not refund full price, they will charge me for the day of insurance.

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  • author
    Christine Bedford
    Mar 29, 2021
    Peace of mind...♥️

    Peace of mind...♥️

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  • author
    Ron R
    Mar 29, 2021
    The process was very easy to understand…

    The process was very easy to understand and did not take long to sign our Boston Terrier up. Thanks for making it easy and simple.

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  • author
    Crystal Mcfarland
    Mar 24, 2021
    You need this company and it’s…

    You need this company and it’s offerings for your pet! Well worth every affords penny! Thank you SPOT

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  • author
    Cee
    Mar 12, 2021
    Comparing SPOT Pet Insurance with Other Companies!

    Comparing SPOT Pet Insurance with the other companies, SPOT come out with flying colors. I researched and priced out about 10 Companies and choose SPOT.

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  • author
    Nandi Porch
    Mar 10, 2021
    Not very user friendly....i believed i…

    Not very user friendly....i believed i was signing up for the preventative care which is what i really needed still unsure what next steps should be just overall confused

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  • author
    Monica T Dean
    Mar 09, 2021
    I got Spot pet insurance for Ceaser…

    I got Spot pet insurance for Ceaser because I want him to be healthy and happy! Now I have peace of mind knowing that he will be taken care of! I love him and want the best for him. Monica Dean

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  • author
    Loretta Wattez
    Mar 06, 2021
    Excellent

    Excellent! I can’t say any bad about them. They covered 90 percent of claim. And quick. I have had many other pet insurance this one is the best quick payment and people are friendly and open late anytime you can call. I recommend Spot! I have the complete coverage. Thank you Spot!

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  • author
    Ricardo Horna
    Mar 08, 2021
    Very disappointed

    All the reviews looked great until I actually received this insurance. I took my dog in for a tummyache during the first two week waiting period, and understood he couldn’t get it covered during that time. However, I was shocked to hear that SPOT pet insurance we consider that a pre-existing condition. That’s right...an upset stomach from eating grass (new dog owner so didn’t know this is common), is considered pre-existing condition, which meant that for the next SIX months they wouldn’t cover any medical accident or ill as involving his stomach. And then, when I politely asked to cancel my insurance, I got an automated response telling me that it was canceled. Yes that is what I wanted, but to not receive a personalized message or at least an attempt to keep me as a customer or understand the problem was wildly disappointing. Would absolutely not recommend. EDIT: in response to their response, It’s one thing to respect a user’s desire to cancel, but whether a company tries to keep their customers and actually fix their issues before letting them go says a lot about their customer service philosophy. And regarding the pre-existing conditions, the issue is the fact that you would consider an isolated upset stomach situation as a pre-existing condition. I hope others have had a better experience, but regardless I recommend the company take ownership over their areas of improvement.

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  • author
    Rosie’s Mom
    Mar 02, 2021
    I found customer service very…

    I found customer service very knowledgeable, business oriented and customer oriented at the same time. In comparison, I found our prior carrier claims representative to be very rude lacking customer service skills. We have not needed to submit a claim since insuring with Spot, so cannot comment. However, true to Spot advertisement, we did receive our Amazon gift card.

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  • author
    Latasha Daniels
    Mar 02, 2021
    Great service

    Great service

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  • author
    Dana
    Feb 16, 2021
    Best pet insurance out there

    Best pet insurance out there. We were reimbursed in less than a week. Customer service and website are amazing easy to work with.

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  • author
    Mary Ericson
    Feb 10, 2021
    Spot has been a breeze to work with

    Spot has been a breeze to work with! My St Bernard needed his shoulder fused when he wasn’t even a year yet! The process has been so easy and reimbursement very timely! Highly recommend!

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  • author
    Alyssa Ramirez
    Feb 09, 2021
    Fast and efficient with my return

    Fast and efficient with my return. Easy to use.

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  • author
    Janine Anderson
    Jan 14, 2021
    Great customer service

    Review of our claim was completed on a timely basis - shortly after submittal. The reimbursement amount was more than fair and the reimbursement payment was made promptly. Altogether, SPOT did a great job handling this claim.

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  • author
    Nancy Roosevelt
    Jan 12, 2021
    I am really impressed with this company

    I am really impressed with the speed and thoroughness of this company. I took it out not expecting that I would really need until my cat gets older. Alas I have had to use it for her earlier than expected. I highly recommend it. It is affordable and reliable.

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  • author
    Zoe_MinidoxieinNYC
    Jan 12, 2021
    I can’t stop raving about you

    I can’t stop raving about your insurance. As a new parent I did a lot of research prior to signing up with you but even though your reviews were stellar I was still skeptical. I have heard too many horror stories from pet parents on other insurance. I’m thrilled that I signed up with you. I appreciate the fast processing of claims and the ease of use and the fact you offer even unlimited annual coverage. Excellent customer service too. Thank you!

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  • author
    Geanie Geist
    Jan 12, 2021
    Fantastic insurance

    Fantastic insurance! We were reimbursed for our claim within 5 business days. Fast and easy process that is very user friendly. Highly recommend!

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  • author
    Lily
    Jan 06, 2021
    Great health Insurance

    Great health Insurance! There was a lag on processing claims initially but the last month they have been a lot better.

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  • author
    Sergei Pokrovsky
    Jan 06, 2021
    Impressed so far

    Very easy claim process and insanely quick claim payout Very impressive, never expected anything like this from an insurance company

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  • author
    Kelly D Cruz
    Jan 06, 2021
    New to Spot!

    New to Spot! We are new to Spot but we are loving it so far. We had our wellness claim processed quickly and without any issues. The coverage is great and the customer service has been fantastic. Highly recommend!

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  • author
    Kim Trenkamp
    Jan 04, 2021
    Great Insurance for Pets!

    I have not yet had any issues with Spot Insurance. I am always sure to get the itemized bill and receipt to submit to them and with that there have been no questions or problems from my end as to why they did or did not accept part or all of a claim. So glad I found them! Totally worth the monthly fee!

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  • author
    Ira Stone
    Dec 27, 2020
    Easy and Quick.

    Easy and Quick.

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  • author
    JH
    Dec 24, 2020
    Spot insurance was prompt and great…Great service

    Spot insurance was prompt and great service.

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  • author
    Guillermo Fuentes
    Nov 24, 2020
    I wish I could say SPOT will have your back, but i can't...

    I wish I could say SPOT will have your back, but I can’t… We purchased the policy when my puppy was 3 months old. He got into trouble and swallowed rocks twice: once before and once during the insurance waiting period. The first time, he went to the ER for an endoscopy to remove them from his stomach. The second time the Dr made him puke it out. He had diarrhea for a couple weeks after due to all these procedures, but it went away after some time. It was all paid out of pocket ($4K) because the policy wasn’t active at this time. Too bad timing didn’t work out but that was the rules we agreed to, no hard feelings there. After the waiting period was over, our dog started causing destruction around the house when left alone. He bit entire corners off the walls and literally ate two holes through the wall when left alone inside a gated kitchen for less than 1 hr. We consulted with the vet and they wrote a letter diagnosing separation anxiety and recommending behavioral treatment, which SPOT claims is covered. We submitted the letter from the Dr and letter from an animal behaviorist outlining a treatment plan to SPOT for approval. They denied coverage claiming that eating rocks when he’s with us is a sign of separation anxiety and is therefore a pre-existing condition. I argued it is unreasonable to claim that a behavior observed when accompanied is a symptom of separation anxiety, but they disagreed. They also disagreed with the Dr’s letter that, literally and word by word, states the diagnosis for separation anxiety is unrelated to eating rocks. SPOT formulated their own diagnosis for my dog that justifies rejection of coverage and denied the claim. At some point the diarrhea came back and lasted for weeks. The vet put him on medication for a month but wasn’t getting better so they recommended doing a full blood panel to diagnose any physical issues. SPOT rejected coverage for the vet’s medication, the blood panel and diagnostic tests claiming that because he had diarrhea before, it is a pre-existing condition and no treatment would be covered. I’m not one to leave bitter reviews around the internet but I at least felt I had to share my experience and warn others.

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  • author
    Lenora Williams
    Nov 24, 2020
    On-line process is easy

    On-line process is easy. Communications are very clear. Informational emails are very helpful.

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  • author
    Rick Pettitt
    Nov 19, 2020
    Thanks for your prompt attention to my…

    Thanks for your prompt attention to my claims filed forArthur! Great service! 🙏

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  • author
    Jason Legner
    Nov 18, 2020
    I appreciate the ease of claims and the…

    I appreciate the ease of claims and the responsiveness. I recently changed plan coverage and Spot has been excellent in their level of service!

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  • author
    Linda Haapala
    Nov 10, 2020
    Great Service

    I have submitted vet receipts for my puppy and I received an acknowledgment right away. The reimbursement was timely. I am so pleased with the response from Spot Pet Insurance.

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  • author
    Erik Galloway
    Nov 07, 2020
    great experience

    great experience, fast processing and easy site to upload claims.

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  • author
    LAYLA T
    Oct 30, 2020
    AMAZING 100% RECOMMEND

    You guys are amazing! Thank you so much for helping with the claim and processing it so quickly!

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  • author
    Hope
    Oct 29, 2020
    Great customer service and quick claim…

    Great customer service and quick claim processing.

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  • author
    Cobb
    Oct 29, 2020
    Just recently purchased spot…

    Just recently purchased spot insurance for my dog , some unexpected events occurred with him needing medical attention. Submitted the claims to spot which took a little while , but over all very pleased because all three claims were reimbursed at 90%.

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  • author
    April
    Oct 29, 2020
    I got this just “in case”

    I got this just “in case”, and then my sweet dog got bone cancer. Spot has been so easy. Claims process is simple and they care about your pet’s health. Highly recommend!

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  • author
    Alexis De La Pena
    Oct 24, 2020
    We love Spot pet insurance

    We love Spot pet insurance. It’s very quick and they answer questions thoroughly.

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  • author
    Timothy Lair
    Oct 20, 2020
    very happy with spot

    very happy with spot

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  • author
    DV
    Oct 17, 2020
    Very easy and fast turn around…

    Very easy and fast turn around processing claims.

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  • author
    Nina Collins
    Oct 14, 2020
    New Member

    Loving the communication so far!

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  • author
    George Christos
    Oct 14, 2020
    We Have Two Moss Creek Goldendoodle…

    We Have Two Moss Creek Goldendoodle Puppies That are 11 weeks old Today. We Value The Insurance From Spot Pet Insurance. The information they provide is helpful in raising our puppies.

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  • author
    Guzel Timergaleeva
    Oct 14, 2020
    Best insurance!

    Best insurance!

    ...

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