Spot Pet InsuranceReviews of spotpet.com

Insurance
100 Biscayne Blvd, Suite 400, Miami, Florida

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4.6

Excellent

Based on 11,960 reviews

Spot Pet Insurance4.6

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About Spot Pet Insurance

America's FavoritePuppy Insurance Click for Price >Spot Pet Insurance is one of the leading providers of customizable pet health insurance for dogs and cats across the United States and Canada. We're on a mission to help families get their pets the care they need to lead longer, happier lives together.

Spot Pet Insurance (spotpet.com) has 11,960 customer reviews on Folks Told, with an average rating of 4.6 out of 5.

Also known as: spotpet.com
Website: spotpet.com
Category: Insurance
Location: Miami, Florida
Listed on Folks Told: 2026

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Deanna B.

Jan 16, 2026

Beware! Unjustly Classifying a Symptom as a Preexisting Condition!

Beware of what you say to your vet! Spot used my non-medical degree words against me to classify my dog's symptom as a preexisting condition! My husband and I adopted a small terrier mix six months ago. We got ourselves set up with Spot Pet Insurance. At the time of the adoption we were not aware that he was suffering from worms, even though he had been dewormed by the rescue. To make a long story short ~ We tried making diet changes before taking him back to the vet. Our little guy has since suffered with multiple bouts of severe diarrhea, which we have discovered was due to different diagnosis of worms over the next few months - tapeworm, round worm, hook worm, and finally giardia. The insurance company seemed wonderful at first - covering treatments after we reached our 500 dollar deductible. Then they did an audit - used my own words at the vet describing his condition against us and declared his diarrhea was a pre-existing condition and took money off of our deductible and are making us start all over. How can diarrhea be determined to be a preexisting condition when it was a symptom of at least four different worms? I find this extremely unfair. Beware of what you say! What is in the vet notes will be used against you even though you do not have a medical degree.

Reply from Spot Pet InsuranceJan 20, 2026

Hi Deanna, we're incredibly sorry to hear your dog is suffering from worms. Please know that all claim decisions are based on your pet’s medical records and the signs or symptoms documented by your veterinarian. That said, we understand how important it is that everything is clear and accurate. Our team would be more than happy to review your concerns and clarify any part of the decision or records that may not align with your understanding. Our team is here to provide support and answer any questions you have at 1-800-905-1595 (M-F 8am-8pm, Sat 9am-5pm EST).

About Spot Pet Insurance

Spot Pet Insurance (spotpet.com) has 11,960 customer reviews on Folks Told, with an average rating of 4.6 out of 5.

Also known as: spotpet.com
Website: spotpet.com
Category: Insurance
Location: Miami, Florida
Listed on Folks Told: 2026