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 664 reviews with 1 star · Clear filters
This is very frustrating , it is saying that my email address is wrong , but you're able to email me so what's going on ?
By Lori S.
Response from Spot Pet Insurance· Jun 26, 2023
Hi Lori, we're so sorry you were experiencing issues with your account registration. Our records show you have been in contact with a customer service rep that helped resolve this issue. We sincerely apologize for your frustrations. - Spot Pet Insurance
My cat passed away because the waiting period was to long
By Justin H.
Response from Spot Pet Insurance· Jun 27, 2023
Hi Justin. We are deeply sorry to hear such sad news. When a pet crosses over the Rainbow Bridge, we experience sadness, grief, and sorrow. “Pets leave pawprints on our hearts”, and we want to let you know that you and your family are in our heart, too.
Deductible was far to high for a common pet insurance. Reimbursement was lower than most other common pet insurance companies. And I only got spot for a non waiting period just to find out there is a waiting period.
By Cody P.
Response from Spot Pet Insurance· Jun 21, 2023
Hi, Cody. We’re sorry that your recent experience did not exceed your expectations. Spot plans offer customizable annual limits, reimbursement rates, and annual deductibles. Transparency is important to us in all aspects of our coverage, and we do apologize for any confusion regarding your policy. We'd love to lend a paw here to understand what was confusing. Please contact our customer service team at 1-800-905-1595.
No card is given. inconvenient to pay out of packet and then get reimbursed-. Also, I can't add additional coverage until the annual renewal. bummer.
By Mayra Reyes B.
Response from Spot Pet Insurance· Jun 14, 2023
Hi Mayra, your experience is important to us and we’re sorry to hear it didn’t exceed your expectations. We want you to know that your feedback has been sent over to our customer service team to address your concerns in more detail and provide any information or help we can. If you have additional questions, please reach out at 1-800-905-1595.
Where is my refund!!!
By Mark T.
Response from Spot Pet Insurance· Jun 15, 2023
Hi Mark, your feedback is important to us and we’re sorry you were frustrated with your experience. I see that you were in touch with a customer service representative who assured you that your refund was issued and is on it's way. If you have any additional questions, please reach out at 1-800-905-1595.
I adopted a puppy at nine weeks of age, purchased Spot insurance for the puppy a week later. She started having some problems when she was 12 weeks old. Spot would not cover any of it. They are extremely difficult to get a hold of, the phone number that is listed usually says "your call cannot be completed at this time", even during business hours. Their website is very difficult to navigate and it takes forever for them to complete a claim, I would not recommend this pet insurance to anyone. I spent more time than it was worth trying to upload documents, trying to find the correct email and the woman i spoke to was not very helpful or friendly. If you are thinking about going with this company, DON"T!!
By Raejeana P.
Response from Spot Pet Insurance· Jun 19, 2023
Hi Raejeana. We understand this isn’t the experience you hoped for and we’re sorry to hear it hasn’t exceeded your expectations. Our team would like the opportunity to review your coverage with you in more detail and offer any support or information we can. We'd also like to learn a little more about the issues you experienced when contacting us, and on our website. Please call our customer service team at 1-800-905-1595.
Customer service is off on the wrong "paw". I tried to create an account and was advised my e-mail was not associated with a Spot account.
By james F.
Response from Spot Pet Insurance· Jun 9, 2023
Thanks for your feedback James. We sincerely apologize for the issues you experienced registering your account. Your information has been sent over to our customer service team to help assist you.
I had a policy for each of my cats. Per the contract, pre-existing conditions are not covered. However, they have a 180-day period where if a condition doesn't occur, it is not considered pre-existing. This stood out to me as a positive since pretty much no insurance company allows pre-existing conditions (this is a huge fail with health insurance, pet or human, but that's another conversation). One of my cats needed emergency surgery to remove an eye, and after I submitted the almost $2,000 claim, I found it was rejected/not covered due to it being a pre-existing condition for something that had occurred 220 days prior. One, THIS wasn't related to the other vet visit, at all -- this was an emergency. Two, it was well over the 180-day grace period even if they could try their hardest to related the two. The rep told me that since it was noted on his vet records, it IS considered pre-existing (but it was unrelated??) and it will NOT be covered. What is the point of pet insurance if they don't cover emergency surgeries which are always expensive? And what is the point of sticking with a policy/company if they don't uphold their word?
By Kayla L.
Response from Spot Pet Insurance· Jun 19, 2023
Hi Kayla. We're never happy when we have to deny a claim for a pet parent. 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.
