Spot Pet InsuranceReviews of spotpet.com

Terrible insurance company!! Expensive and doesn’t cover accidents as specified. They denied my claim because of pre existing condition when my pet doesn’t have any pre existing condition. DONT recommend, definitely a SCAM

Still haven’t received reimbursement

Spot Insurance left me howling – not in a good way. If you enjoy frustration, riddles, and financial acrobatics, go ahead and sign up. But if you value sanity, steer clear. My dog deserves better, and so do I.

Our dog slipped off the curb and we brought her in right away. Turns out Spot doesn't cover x-rays if they think her new limp has been ongoing. There is no "cancel insurance" button throughout their site. The money here goes in one direction... do not give them your business.

Still have yet to get my refund of $175 says it went through but theres nothing in my account.

I purchased a puppy from someone off of Facebook. I purchased the platinum coverage from Spot insurance to also cover well visits. I took my puppy to the Vet and uploaded the Vet's note and itemized bill. Spot insurance gave me the run around and DID NOT pay for shots, anal gland expression because of scooting bottom on the floor and 1 Vetadryl (benedryl) for sneezing, runny nose, and scratching herself. I received an email stating Spot ins was requesting more records and I called Spot ins and informed them that this was the first appointment she has had and was questioned as to why she needed bendryl which was a $1.00 charge, and why her anal gland expression was done for $29.95. Customer service at Spot told me they put a note in about my call and I assumed my puppies visit was going towards my deductible at that time. I received another email requesting previous Vet appointment notes and I called again and customer service informed me that I uploaded everything and Spot ins contacted my Vet and they submitted the same information I did and my claim would be flagged for Spot ins to pay and he could see everything and they did not need anything else. I received another email stating they could not process my claim without additional Vet notes which this was the FIRST Vet appointment. I ended up calling for a third time this morning and got no answers and requested Spot ins cancel my policy. I should be fully refunded for the year because I paid up front. It should not be retroactive because Spot ins put me through hell and back!! It took 3 calls and aggravation to get nowhere with Spot insurance. I wish I would have had this knowledge prior to buying my policy.

I'm extremely dissatisfied with the handling of my claims. My pet was diagnosed with cancer 1 day after his policy went into effect. Despite my repeated attempts to provide all necessary records, it took over a month for any progress to be made. Neither myself nor my clinic spared any effort in supplying the required documentation, only to be met with further delays. When I finally requested to speak to a supervisor, I was blindsided by the revelation that my claim wouldn't proceed due to a previously undisclosed requirement for “two years worth of records.” This information should have been made clear from the start, sparing me the wasted time and money on a policy. Frustrated, I promptly requested to cancel my policy as it was proven futile. Yet, to add insult to injury, I received notification today, over a month later, that my claim was miraculously processed. This entire ordeal has left me feeling utterly disrespected and undervalued as a customer. I am deeply convinced that my claims were only processed because I cancelled my policy. Now, faced with the devastating news of my pet's cancer diagnosis, I find myself in an even more precarious situation. Any other insurance provider would likely classify this as a pre-existing condition, leaving me without the financial support I need during this emotionally and financially taxing time. This leaves me with no choice but to either reinstate my policy with SPOT or face the prospect of having no insurance coverage at all, compounding the stress and burden I'm already under. This situation has been an entirely terrible experience, and I’m extremely upset with how deceiving everything has been.

They do not listen to their customer I have been trying to get a claim fixed for both my dogs over the last few days and nobody is listening when I tell them where the issue is. It’s been 4 days now and there is still no solution. I will not be returning as a customer