Spot Pet InsuranceReviews of spotpet.com

Spot is the absolute WORST for pet insurance. Stay away from this company, it's a scam. I started a policy and then my dog was prescribed medications which should have been covered. Spot kept denying my claims because they said they didn't receive full vet records. I sent them the complete records from my vet multiple times, but they said they lacked "soap notes". My dog only went to the vet for routine vaccinations so the only notes were what vaccines he got and his weight. My vet then added in the "soap notes" they wanted only for them to say that still wasn't correct, but wouldn't explain why. My previous vet and my new vet have no idea what Spot is looking for so it seems this was just a way that they could get out of reimbursing me for my dog's medications. After further review, it seems this is a common practice for Spot Pet Insurance. So I have been paying monthly for a service I have never received. Unfortunately I will end up having to take them to small claims court to get my money back. Save yourself the headache and DO NOT GET PET INSURANCE THROUGH SPOT.

I mean no disrespect. But it would be nice if the people who answered the phone spoke English!

They are the worst. They did not cover an ear infection because our dog has a history of skin allergies..this was a fungal infection and she was so miserable… this had nothing to do with skin allergies. They lied and said they called our vet but they did not. This was an ear infection, not an allergy..Otitis…dismissed us very easily. They absolutely don’t give a care about your animal. We wasted our money for the last 5 plus months. Don’t get it, you will regret

Don’t Choose this insurance denying Most of the claims .

Spot Pet Insurance is very misleading about what is and isn’t covered under their plans. In my experience, their representatives also provide inaccurate and sometimes contradictory information. Here are two recent examples: Example 1 My dog Oscar developed stomach issues—gurgling, diarrhea, and loss of appetite. Our vet suspected a poultry sensitivity and prescribed a specific diet from JustFoodForDogs, since they avoid cross-contamination of proteins. Before moving forward, I called Spot Pet Insurance, explained the situation in detail, and even provided the vet’s recommendation. The representative told me that if it was a diet-based issue, they would cover the cost of the food for the first month as part of the diagnostic process, though not for long-term maintenance. That sounded reasonable, so I purchased the prescribed food. However, when I submitted the claim, it was denied. When I followed up, I was told it was considered a pre-existing condition because my dog had a “gurgling stomach” noted the previous year. (What dog doesn’t occasionally have a gurgling stomach?) My vet clarified that this was a new and much more serious issue affecting his entire system. Spot advised me to file an appeal. I did—but received no response. After a month, I called again and was told the appeal was denied due to the type of diet prescribed, despite the fact that I had clearly explained this upfront before purchasing anything. They literally changed the reason for denying the claim and paid out nothing. Example 2 My dog later needed two teeth extracted. Again, I called Spot in advance and was told the procedure would be covered. Once I submitted the claim, it was denied. This time, I was told that because a vet had noted minor tartar on my dog’s teeth four years earlier, so any dental issue would be considered a pre-existing condition. Essentially, they would treat all dental problems as pre-existing. My vet explained that the extractions were age-related and unrelated to past tartar, but Spot still denied the claim. Based on my experience, Spot Pet Insurance finds ways to deny claims using overly broad definitions of “pre-existing conditions,” even when issues are clearly new or unrelated. My recommendation: avoid Spot Pet Insurance

I'm sure they're competition does the same crap but I get email after email after email just because I checked a price. Text message after text message after text message. It's getting old. You don't deserve my business. I didn't even have time to make a decision and you have already pissed me off with your bottom feeder pushy salesman approach. GFY

The coverage for illness and accident is deceiving. I had a very bad experience and would not recommend to anyone.

y'all don't give out fair reimbursements.