Sunday, November 8, 2026 · Customer reviews of US businesses
The Fair Hearing score
Excellent
11,960 reviews
Spot Pet InsuranceSelect a line to read only those reviews.
Honesty, 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 The Fair Hearing, with an average rating of 4.6 out of 5.
11,960 approved reviews, newest moderated first
I highly recommend they have been very responsive and covered a lot of bills for my 3 furbabies (cats). Worth it!
By Lisa M.
Response from Spot Pet Insurance· Jun 12, 2026
Hi Lisa, we're so happy to hear we could help with your furbabies'. Thank you for your kind words!
Easy and quick claim process.
By Tracey
Response from Spot Pet Insurance· Jun 8, 2026
We’re delighted to hear about your positive experience with our pet insurance, Tracey! Thanks for choosing Spot to protect your furry family.🐾
Spot makes it really easy to submit expenses and get reimbursed. Getting things set up properly in the beginning of the coverage is important for a smooth process in the future.
By GC
Response from Spot Pet Insurance· Jun 8, 2026
We're so glad to hear Spot makes expense submission easy for you! We appreciate your valuable feedback on setup.
Spot ins at approx. 25.00/mo. Is well worth it! When trouble hits,accident or illness,they are there at 90% reimbursement. Claims are relatively quick, about 10 days, and comprehensive coverage for your bill at vet minus waste fees. Great to have when that 1500- 5000 bill hits you at the vet. You may pay 2 or 5 years but eventually they will have your back when your confronted with that huge bill. They covered two claims for the same illness over 2 months totaling about 2300.00 and prescription food from chewy.com. Don't make the mistake of going it yourself! Spot is best at kitten or puppy stage due to not covering pre existing conditions. If you pet has a clean record at vet you can hop on too with 100% coverages. They check vet records so don't think you can sneak your pet with a chronic condition in. Great company,highly recommend!!!
By Todd B.
Response from Spot Pet Insurance· Jun 8, 2026
Hi Todd, we are so happy to hear about your positive experience and appreciate you sharing such a detailed review. It's wonderful to know that our coverage has provided peace of mind during challenging times for your pet. We are committed to being there for our members when they need us most.
Claim Rejection for completely unrelated issue. We had our dog endure a full check up PRIOR to joining Spot Pet Insurance and she was given a clear bill of health. Some months after joining she developed an abscess in her mouth which resulted in her needing surgery to remove the tooth. our claim was rejected because the initial medical report we had done prior to joining Spot had remarked "Minor Tartar" on her teeth. This was enough for Spot to deny the claim. I am extremely disappointed that the link between minor tartar and a severe abscess is reason for denial. This is akin to linking long paw nails to reason for denial of a broken leg. !!
By Clifford M.
Response from Spot Pet Insurance· Jun 12, 2026
Hi Clifford. We understand your concern and want to help address any questions you might have. Please email us at [email protected] so we can directly assist.
You had different policies to fit our pet needs and was easy to reach to you.
By Sharon G.
Response from Spot Pet Insurance· Jun 8, 2026
Thanks for being part of the Spot family, Sharon! 🐾
I have submitted 2 different claims for one of my cats and the claims were handled in a timely manor and my refund was as stated.
By Cynthia B.
Response from Spot Pet Insurance· Jun 8, 2026
Hi Cynthia, we're happy to hear we handled your cat's claims efficiently and that your refund was as expected. Thank you for your feedback.
They are very professional, very easy to make my claim.
By Martha Aguilar G.
Response from Spot Pet Insurance· Jun 8, 2026
Hi Martha, we're so glad to hear your claim process was quick and easy! Thank you for sharing your positive experience with us.
