Excellent
Based on 11,960 reviews
Spot Pet Insurance4.6Honesty, pricing, process and quality scores appear once 5 customers have rated them.
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.
11,960 approved reviews, newest moderated first
Deserie T.
It was easy to make a claim and practically got a full refund!
Reply from Spot Pet InsuranceAug 20, 2026
Hi there, we're so glad to hear your claim process was quick and easy! Thank you for sharing your positive experience with us.
Dawn S.
Ever since joining the Spot Family, I feel that my little man is in wonderful hands when it comes to having a solid health insurance company like yourselves. Thank you, Spot Insurance for taking care of our family.
Reply from Spot Pet InsuranceAug 20, 2026
Thank you for your wonderful review, Dawn! We're proud to offer a service that aligns with your expectations. Your support is truly appreciated! ~ The Spot family
JLM
Sadly, here’s ANOTHER Buyer Beware review. If you are insuring a Rescue pet, and it didn’t come with good medical records(as most rescues don’t), SPOT is not the insurance to go with! Without proof that an issue wasn’t “pre existing” they will absolutely not help. Sadly, we had our rescue less than 4 or 5 months and she needed some care from previous neglect. We submitted our claim. Denied. Spoke to a Representative who suggested we appeal. Appeal submitted. Appeal denied. They labeled her situation as pre-existing. Our Veterinarian reached out on our behalf. No change. They offer zero support in these cases, so I’m here to say don’t spend your money here. We’ve set up an account that is just for our rescue. We’ll save money in there and THAT will be our “insurance” policy for her. Think twice if you’re signing up a rescue. P.S.-The experience date chosen is approximate because the process we went thru with these people was over a period of weeks:-(
Reply from Spot Pet InsuranceAug 20, 2026
Hi there, we understand the frustration when claims are denied. Much like other providers, our plans don’t cover conditions showing signs before your coverage starts, as documented by your vet. For further assistance, please call our team at 1-800-905-1595 (M-F 8am-8pm, Sat 9am-5pm EST).
Jennifer Dami, C.
we had to take our 6 month old lab to the emergency twice in 3 days. The vets on call even said Spot Insurance was good. I submitted my claims. One was paid within a couple of days and it paid 90% of the cost. Waiting on the other but it is bigger. The communication on the website is very user friendly and updates quickly. Very pleased. Nationwide for my other lab wasn't good at all.
Reply from Spot Pet InsuranceAug 20, 2026
Hi there, we are so glad we could be there for you and your dog during a difficult time. We appreciate you sharing your positive experience ❤️
Lori W.
Submitting a claim and getting it processed and paid has been so simple! Customer service has been easy to talk to and very helpful.
Reply from Spot Pet InsuranceAug 20, 2026
Hi there, We pride ourselves on providing exceptional customer service, so we're very happy to hear this has been your experience. Thanks for being a part of the Spot Family ❤️
Susanne O.
very user friendly- great response time and turnaround. so happy we have SPOT
Reply from Spot Pet InsuranceAug 20, 2026
Thanks there, happy to have you as part of the Spot Family. 🐾
Cindy Wood B.
My 2 fur babies passed away a month apart in August and September of 2025. I notice in July 2026 that Spot was still deducting from my checking account. When I brought this to their attention I received a lot of I'm sorry for your loss, but no refund!
Reply from Spot Pet InsuranceAug 12, 2026
Hi Cindy, We're incredibly sorry for the loss of your dogs. We understand how heartbreaking it is to lose a pet, and we never want a pet parent to feel dismissed or unsupported during such a difficult time. We have sent this over to our team and they will reach out directly to address your concerns.
Forman, D.
Ease of submitting the claims and promptness of the reimbursement made this a great experience.
Reply from Spot Pet InsuranceAug 20, 2026
Hi Debbie, We pride ourselves on providing exceptional service, so we're very happy to hear this has been your experience. ~The Spot Family🐾🐾
