It’s a pain to file a claim…. It’s hard to get a hold of the vet for pet records..

This insurance is a scam. We signed up within a couple days of adopting our two new kittens. They tell you to take them in for a wellness exam within a week or two after you adopt. We did that. This exam was, of course, within the waiting period. Fine, we paid for it out of pocket and didn't submit anything. One of the kittens had started having diarrhea so they did a fecal test just in case it wasn't just the stress of the move and food changes. It came back negative and our vet said to just give it a little time. Everything else checked out well with both cats--happy and healthy. Then a month later diarrhea is back and bad so we go back to see why. They do a PCR fecal test and some bloodwork. But because diarrhea was mentioned in her first appointment, now they consider it a pre-existing condition and cannot be covered. Imagine that, a kitten with diarrhea, as if that is rare. Now I have paid over $1,000 out of pocket and none of it is covered, or even goes even toward my deductible. I have to pay for insurance that doesn't cover anything that might be in any way tied to GI or diarrhea for another 6 months before they "might" not consider it a pre-existing condition anymore.

I signed up for Spot Pet Insurance believing it would provide financial protection for my Persian cat, Cyrus, in case of accidents or illnesses. However, my experience has been nothing short of frustrating, misleading, and an absolute waste of money.

My pet was a member of spot insurance for 2 years. Here is my experience: my cat had a vomit for 4 days, at the vet clinic they did X Ray, blood test, didn’t find any diseases like diabetes or stone in kidney, told me to monitor her state and charged me with $1065 💰. Pyshka had an accident coverage only and blood tests, scans or CT are included in the accident coverage. The SPOT insurance reimbursement was $18.0 as they thought Pyshka had gastrointestinal problems, but she didn’t 😡. My cat choked with a hairball and it was coming out after day 4. So, I’m not longer a member of this insurance 🤯

Honestly thought the reimbursement payments would be much closer to actual totals and when needed for my dogs surgery it was only 1/4 of an emergency surgery for the better quality of life for my dog and unfortunately was unable to afford the surgery so my dog continues to suffer.

Absolutely ridiculous that I was not notified that the direct deposit bounced back and I’m still waiting for the refund check. I’ve called on this 3 times! I will likely be cancelling my policy!

On November 1st, I took my cat to Urgent Care and I had inquired about Spot insurance that day. I was informed there would be a $500 deductible and it was $50 a month, so I agreed. For the next month and a half, I was taking my cat to the vet and was communication with Spot. They told me to submit the claims and that I should be expecting payment reimbursements soon. My cat unfortunately had to be put down, and I had to close out with Spot, and they reassured me that I can continue to submit the claims for reimbursement. A month goes by and I receive nothing, so I called them. They then told me that because my cat was taken to the hospital for coughing before I signed up with Spot that they would not cover anything.

You guys even when the veterinary office send you the information don't thrust, that way I don't like people like you liars & theft who refuse to pay the coverage.

The amount covered is so small compared to the amount I have to pay for wellness care to make this part of the policy not worth it. Considering looking for a different provider or none at all if you're all like this.

Honestly paying so much money for pet insurance and not getting at least half or more reimbursement is not the best. There are other pet insurance that reimburse more. Will be switching over to a new pet insurance.