Spot Pet InsuranceReviews of spotpet.com

Awesome customer service.

Spot Insurance was so quick to respond to my cat’s claim. Also, the process was extremely easy.

Claims are easy to submit. Reimbursement is quick.

It was a great experience.Spot is the Easiest pet insurance company to deal with .

Quick and easy. Appreciated being able to file and complete without having to do extra during a traumatic situation.

My pet was a member of spot insurance for 2 years. Here is my experience: my cat had a vomit for 4 days, at the vet clinic they did X Ray, blood test, didn’t find any diseases like diabetes or stone in kidney, told me to monitor her state and charged me with $1065 💰. Pyshka had an accident coverage only and blood tests, scans or CT are included in the accident coverage. The SPOT insurance reimbursement was $18.0 as they thought Pyshka had gastrointestinal problems, but she didn’t 😡. My cat choked with a hairball and it was coming out after day 4. So, I’m not longer a member of this insurance 🤯 I am pretty sure that choking with a hairball is NOT PREEXISTING CONDITION

I signed up for Spot Pet Insurance believing it would provide financial protection for my Persian cat, Cyrus, in case of accidents or illnesses. However, my experience has been nothing short of frustrating, misleading, and an absolute waste of money. 1. Denied Coverage for an Accident Cyrus accidentally ingested a vitamin D capsule during the grace period, resulting in an ER visit ($190) and a follow-up visit to a new vet ($368.56). I was explicitly told by Spot Pet Insurance that as long as the accident/illness did not reoccur within 180 days, it would be covered. Surprise! When I submitted the claims, they were denied. When I called for clarification, a rep told me I needed to take him back to the vet after December 25, 2024 (180 days later) and refile a claim ONLY with a new receipt—none of the previous expenses would be covered. That is NOT what I was originally told. 2. Denied a Legitimate Claim for No Reason I also submitted a $170 claim from September 4, 2024 for an unrelated visit—this was AFTER the grace period ended, while my pet was covered. Spot denied it because Cyrus had diarrhea in June before my policy started and claimed it was a pre-existing condition. What?! Diarrhea is an acute, common issue in pets, NOT a chronic condition. Spot Pet Insurance is clearly finding loopholes to deny coverage for anything and everything. If a pet ever has an upset stomach in its lifetime, does that mean Spot will never cover GI issues again? This logic is completely absurd. 3. A Complete Waste of Money I have paid over $400 in premiums, and was only reeimbursed $15 for pink eye illness. Spot Pet Insurance is essentially worthless—what’s the point of having pet insurance if they refuse to cover even basic claims? Their lack of transparency and deceptive denial tactics are shady and unethical. Final Verdict Do yourself a favor and STAY AWAY from Spot Pet Insurance. Their policies are misleading, their customer service gives contradictory information, and they will find any excuse to deny your claim. Beware before signing up – you are better off saving your money than trusting Spot Pet Insurance!

Spot pet insurance is amazing! They have processed 3 claims on my Yorkie puppy since I got him and they were processed promptly and without question. I would strongly recommend Spot pet insurance, you will not regret it. I have told several friends about Spot pet insurance, I cannot say enough good about them!