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    Spot Pet Insurance

    1.9 (130 reviews)
    Open 8:00 am - 8:00 pm
    Updated 2 months ago

    Services - Spot Pet Insurance

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    Pictures of claims I made that should have been covered in full that I received 0.00 for!!
    Veronica K.

    HORRIBLE!!!! They literally covered NOTHING out of all the emergency care my two pups needed last month. WTF have I been paying for the last few months?!?! ABSOLUTELY nothing was covered that they GUARANTEED me would be covered ‍‍ they requested records from last year (2025) and which DO NOT EXIST because the dogs were born late 2024, were healthy the whole last year, and have no records to send from 2025. After 3-4 weeks of waiting for my claims to be reimbursed, they were denied in full (literally $0.00 back) because they said I didn't send in records *that don't exist* for me to send in. Both my animal hospital and primary vet sent in letters NUMEROUS TIMES clearly explaining this to them, and they STILL denied me reimbursements for stuff that is CLEARLY covered under the plan that I have got them. I am SO DISAPPOINTED in Spot insurance and their pathetic negligence to fulfill the BARE MINIMUM of what they're supposed to do.. cover their customers emergency pet expenses that the customers are paying a monthly premium TO. HAVE. COVERED.

    There's always an "excuse" as to why they can't cover
    Ally G.

    Do NOT use SPOT. I finally canceled my coverage with them after 2 years because there's always "some excuse" why they can't provide coverage for my pug. I finally had the last straw today. I called a couple weeks ago before taking my pug to a vet dentist and the SPOT licensed agent told me his extractions would be covered 80%. I'm told today that only $75 of the $13,250 surgery would be reimbursed. This is just one example of piss poor coverage and their many many loopholes. Seek pet insurance elsewhere.

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    23 days ago

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    28 days ago

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    21 days ago

    absolutely the worst ever paid $450 in three months was 93 claims a waste of good I strongly suggest you find a different insurance

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    2 months ago

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    1 year ago

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    8 months ago

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    Page 1 of 4

    Ask the Community - Spot Pet Insurance

    Review Highlights - Spot Pet Insurance

    Within around 2 weeks I received nearly $5,000 deposited in my bank account.

    Mentioned in 2 reviews

    Read more highlights

    Spot Pet Insurance - petinsurance - Updated May 2026

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