Tuesday, November 10, 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
Processing Reimbursement is easy and contact by phone is helpful. We had to challenge the denial of a claim, but it was subsequently approved.
By Robert
Response from Spot Pet Insurance· Jan 2, 2025
Hi Robert, Thank you for sharing your experience! Please reach out to us if you ever have any questions. ~The Spot Family🐾🐾
After considering switching to SPOT for my pet insurance, I decided to test their service by submitting two claims. Both were denied due to "missing medical records," despite the fact that I had already provided the necessary documents from both myself and my pet's hospital. Even after having the claims reopened, they were ultimately declined again. Thankfully, I hadn't canceled my existing pet insurance, anticipating potential issues like this. Based on my experience, I cannot recommend SPOT Pet Insurance.
By Sergio A.
Response from Spot Pet Insurance· Jan 2, 2025
Hi Sergio, Know 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 (M-F 8am-8pm, Sat 9am-5pm EST).
Easy to submit claim, quick process and timely reimbursement.
By M.Tyler
Response from Spot Pet Insurance· Jan 2, 2025
We love hearing this, thank you for sharing! Wishing you and your fur family good health. ~The Spot Family🐾🐾
In December 2024, I submitted few expense reports and all paid on time with no issues. Love the service and easy submissions.
By Jim M.
Response from Spot Pet Insurance· Jan 2, 2025
Hi Jim, We’re so glad you had a positive experience! Thanks so much for being part of the Spot family 🐾🐾
Quick processing and payment on claims! Thank you very much!
By Marlaina B.
Response from Spot Pet Insurance· Jan 2, 2025
Hi Marlaina, We pride ourselves on providing exceptional service, so we're very happy to hear this has been your experience. ~The Spot Family🐾🐾
Submitted 2 claims and felt they were responsive and thorough
By CATHRYN L. D.
Response from Spot Pet Insurance· Jan 2, 2025
Hi Cathryn, Thank you for sharing your experience! Please reach out to us if you ever have any questions. ~The Spot Family🐾🐾
**EDIT: Spot did end up resolving this issue, including full reimbursement and a hand-written letter. It seems like customer support aren't all fully trained on handling end-of-life cases with compassion, while others do.** Although they were fairly quick to payout claims, they charged us for a month of service after our pet was put down *before* our renewal date for our next month. We were originally told that we wouldn't be charged if our pet passed but then were charged without a guarantee for a refund (which we hope to get). We wish that our claims were handled with a bit more compassion as our pet passing was very sudden and unexpected.
By Natalie
Response from Spot Pet Insurance· Jan 2, 2025
Hi Natalie, We are so sorry to hear about the loss of your pet. Saying goodbye is the hardest part of being a pet parent and we want you to know we are thinking of you during this hard time. We continually strive to deliver the best experience and apologize if your recent experience with us have fallen short of that. Our team is actively looking into this and will reach out to address your concerns.
First time I’ve had insurance and am just thrilled to be able to get support from the insurance coverage for the care of my furbabies
By Jeremy
Response from Spot Pet Insurance· Jan 2, 2025
Thank you for your wonderful review, Jeremy! We're proud to offer a service that aligns with your expectations. Your support is truly appreciated! ~ The Spot family 🐾🐾
