I paid for the the top of the line coverage and you guys barely cover anything lemonade is sooooo much better

Spot insurance is a fraud! Totally a waste of money! Processing time, even if you include all the correct documents takes up to 10 business days! They try not to pay for things that you are covered by and you have to fight with them about it and threaten to sue. I DO NOT RECOMMEND THIS INSURANCE.

The experience is average we are glad we did purchase pet insurance for furry friend. Understanding the reimbursement process is a little cumbersome, but overall they do follow through and get back with you and it has been very helpful

I sent in a claim on 12122024 and it has been approved and I'm still waiting on my check on 01042025. slow process

We recently switched to Spot Pet Insurance from a different insurance logo owned by the same company - Independence Pet Holdings - because Spot offered an affordable monthly premium for our middle-aged beagle. All of Spot's customer service initially seemed warm and inviting. Turns out they are just as heartless as you would expect from any private equity-owned insurance company who is just looking to make money off of careful pet owners. Just like many other pet insurers do, Spot Pet Insurance promptly denied our first claim we submitted as a pre-existing condition, but in this case, we have been paying premiums for years to Hartville, which is literally part of the same company that reports to the same CEO and has the same insurance underwriter - Independence Pet Holdings. So even though this company has been paid by us for years, and even though we have no diagnosis for our dog yet, Spot promptly wrote us off as having a pre-existing condition without further ado. Truly so frustrating when you are just trying to do the right thing and seek insurance for your family member. We are now canceling our policy and going the route of a savings account for pet costs.

I purchase a plan including a puppy prevention package that was to pay out a set amount for certain things. Example: $25 for dewormer $50 for a puppy wellness exam $25 for a bordetella shot etc. Twice I submitted receipts showing my puppy was given a dewormer and Spot Insurance did not reimburse me the $25. Dates are December 12,2024 and January 3,2025.

0% coverage, no money back

Never cover cat sick period.

After several claims: is clear that preventive care reimbursements are not realitybase. Treatment claims (at least once) declined erroneously.

First off, I would like to say I loved how quickly I was responded to! I gave only 3 stars because I sent in two different claims and was told they were one in the same. They were different. One was from last year and one was from this year. Otherwise, I would have given 5 stars if I had been told that I couldn't submit a claim from the previous year.