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
Since I have a new puppy, I feel like this brand is more of a waste than a help.
By Dyanna H.
Response from Spot Pet Insurance· Dec 12, 2022
Hi, Dyanna! We're sorry to hear you're unhappy with your coverage. Please give us a call at 1-800-905- 1595 if you would like to discuss further and address your concerns.
It’s ridiculous that they take money first day and won’t cover first day also
By Abraham E.
Response from Spot Pet Insurance· Dec 9, 2022
Hi Abraham, we are sorry to hear you are disappointed with our waiting period. We strive to be as transparent as possible about our waiting period but we will take this feedback into consideration. If you wish to discuss your account further or have any questions please reach out to us at 1-800-905-1595 (8AM-8PM EST Mon-Fri).
Policy clearly states that there is a full refund within 30 days if unused. No where does it states New York on the policy document.
By Hyun L.
leaving spot not happy at all
By Michael S.
Response from Spot Pet Insurance· Dec 6, 2022
Hi Michael, we are so sorry to hear you are unhappy with your Spot plan. Please reach out to us at 1-800-905-1595 or email us at [email protected] so we can address any concerns you have.
I am being sent so many emails, I have no idea what I'm supposed to do and which is spam!
By Jenna C.
Response from Spot Pet Insurance· Dec 6, 2022
Hi Jenna! We had a customer service representative reach out to you to help you out with this. Please reach out to us at 1-800-905-1595 (8AM-8PM EST Mon-Fri) if you have any other questions or require more assistance!
I bought the insurance and with the first payment had an issue. Spot asked for additional documents that they couldn’t somehow get from the vet. And claim isn’t going through.
By Alexandra I.
Response from Spot Pet Insurance· Dec 19, 2022
Hi, Alexandra! We make every effort to process claims as quickly as possible and will update the status in the Member Center as your claim continues through review. We’d be happy to discuss your claims in further detail if you’d like to give us a call at 1-800-905-1595.
Horrible insurance. As some who lost two dogs within a year and who rescues dogs. I love my baby with my whole heart. But this company is crooks. I am going to submit two other claims which I probably won’t get anything back. It’s hard to know what is pre existing for a fur baby that was abused:( and I asked for a full refund because as someone who has a disability and is trying her best they have no compassion. Other companies would give full refunds in certain cases but this company clearly cares about their money. And it’s very sad. Do not get insurance with them. I’m not renewing after my “contract” is up
By Rachel K.
Response from Spot Pet Insurance· Nov 11, 2022
Hi Rachel. We’re really sorry this was your experience with pet insurance, it’s meant to help people avoid large financial burdens and certainly not create them. We can assure you we’ve helped many customers with covered vet bills, and we’re sorry this was not your experience, too. If you want to provide additional feedback or feel we could provide any more clarification on your policy, please reach out: 1-800-905-1595
You weren't clear on the 14 waiting period for some coverage, coverage started the day after I purchased. Feel like I got mislead.
By Grayson G.
Response from Spot Pet Insurance· Nov 8, 2022
Hi Grayson, we are sorry to hear this and take your feedback into consideration. We strive to be as transparent as possible with what is covered in each plan, as well as what is excluded along with the waiting periods for the coverage. Please call us at 1-800-905-1595 if you would like to discuss this further.
