Monday, November 9, 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.
Showing 280 reviews with 3 stars · Clear filters
I am spending more on Insurance then at the vet. I am not sure the cost is worth the benefit. The APP is easy and submitting for reimbursement is quick. Again, not sure it is worth the price, though.
By Patricia
Response from Spot Pet Insurance· Dec 20, 2024
Thank you for taking the time to leave us a review! We appreciate your feedback and are committed to providing the best possible experience. Please reach out to us if you have any questions ~The Spot family 🐾🐾
Not easy to login
By Christine Y.
Response from Spot Pet Insurance· Dec 20, 2024
Hi Christine. We're so sorry you're experiencing issues and for any inconvenience. Please call our customer service team at 1-800-905-1595 (8AM-8PM EST Mon-Fri) so we can help you out with this
Policies are very tight, difficult to get positive outcomes from claim submission
By Jean
Response from Spot Pet Insurance· Dec 17, 2024
Hi Jean. We understand your concern and want to help address any questions you might have. Please reach out to our team at 1-800-905-1595 (M-F 8am-8pm, Sat 9am-5pm EST)
Ok comes process but blanks left and have to call to check. Does not cover heart worm meds on med plan.
By Tracy Y.
Response from Spot Pet Insurance· Dec 17, 2024
Hi Tracy, thank you for your feedback. We are always looking to improve and will take your comments into consideration.
It was very trying at times. A lot of red tape. You have no problem taking money from my account to pay the monthly fee when it’s time to make a claim we have to jump through hoops to get it done. Every person I spoke to was very nice very professional Very courteous. But still don’t like the policy that you have in place for some things.
By Francisco D.
Response from Spot Pet Insurance· Dec 17, 2024
Hi Francisco. We continually strive to deliver the best experience and apologize if your recent experience with us have fallen short of that. We’d like the chance to clarify anything you may be frustrated about and encourage you to call our team at 1-800-905-1595 (M-F 8am-8pm, Sat 9am-5pm EST).
Didn’t cover much. Claims process complicated, repetitive and time consuming. Foreign customer service unable to answer questions. Moved to different company.
By Jessica S.
Response from Spot Pet Insurance· Oct 24, 2024
Hi Jessica. We continually strive to deliver the best experience and apologize if your recent experience with us have fallen short of that. We’d like the chance to clarify anything you may be frustrated about and encourage you to call our team at 1-800-905-1595.
I had a previous insurer and it was much easier to submit claims. With Spot, I had to take additional time to contact the vet and also submit pets' medical records; I have multiple pets. I rang and the rep could care less about my complaint. I was finally informed that the claims were approved, but the reimbursement $ is yet to be seen.
By Gillian P.
Response from Spot Pet Insurance· Oct 7, 2024
Hi Gillian, Thank you for sharing your experience! We do our best to be transparent regarding our need for medical records. All claim decisions are based on your pet’s medical records and the signs/symptoms that are noted in those records. Most pet insurance providers including Spot use a pet’s medical records provided by your veterinarian to determine if there are any pre-existing conditions that would keep us from approving a claim. If you need further assistance, please give our customer service team a call at 1-800-905-1595.
They were very easy to work with on line and over the phone. The app was easy to use as well. Sadly, the coverage was not entirely explained to me upon purchase. For instance, 1 stool test is covered per year and only up to a certain amt, $25.00. Or 25.00 towards certain vaccines. So it was very limiting on what was covered for preventative care and only up to a certain amount. I was impressed initially by spots deductible, coverage explanation and unlimited expenses for $82.00/mo until I submitted my bills and had little return. My older dog is on a plan with NW, we pay up front but then get 80% return, 250$ deductible and unlimited expense. And NO cap on certain preventative tests and care. We cancelled this plan for our puppy because it did not hold up to the expectations that NW set for us and we went to NW. They have a higher monthly fee, but coverage is top notch. It's that old saying, you get what you pay for. And certainly the cheaper rate was not worth it.
By Lindsay K.
Response from Spot Pet Insurance· Oct 7, 2024
Hi Lindsay, we try to be transparent in what is covered in each plan. We are sorry to hear you are not happy with your coverage and encourage you to reach out to our customer service team
