you are taking wa too long tp process claims and mail payments, 2 -3 weeks is in appropriatete

Disappointing Experience – Slow Claims Processing but Fast Premium Increases

Prompt response, but it asked for prior info and documents that were not part of the initial claim requirements.

I am shocked at one of your commercials, it starts out with a young girl and a word bleeped out. Shame on Spot ins. I was looking for insurance for my cat but will look elsewhere. Is this how you want your company to be known for. Cursing and bleeping? You know I am but one person, and one person means nothing to a company like you. But will all my hopes and prayers, I hope I will not be just one person. Shame.

I've made about 6 calls, 4 in one day. They covered my claim and then said it was processed on their end on 3/10, it's 3/18 and the payment is nowhere to be found. At first they said call if it's not there in 3 days, now all the sudden it's 7-10 days. They just keep telling me that it's "approved and paid out" on their end, but they can't even tell me the full account number they sent it to. I've been back and forth with them and the bank for DAYS, the bank has ZERO record and it was never direct deposited. I had to escalate it to a manager on the 6th call because they just kept saying it looked like it was paid in their system and wouldn't give me any answers besides "call your bank". Finally they agreed to put a trace on the payment and said it would likely take a full day to go through and they'd call me with the info. 2 days later, no phone call and no info. Cancelling as soon as they pay me.

The claim was not able to be processed and was told the bank rejected the deposit. Contacted the bank and was informed no document of check attempted to be deposit. It was disclosed a Spot employee must have entered the wrong number to deposit. 2 checks were supposed to be mailed on 03-06 and 03-11-25. To this day neither checks have arrived. After entering bank information subsequent claims were able to be deposited. Why can’t the first two be again direct deposit as it was NOT my error that the wrong information was submitted. Spot has done NOTHING to correct their error. Very dissatisfied

Reimbursement amount is seriously bad, considering the amount of premiums we pay it’s rubbish!

The response to my information submitted was excellent. Claims processed quick and payment indicated quickly as well. However, I am confused. When I signed up it indicated that I would receive 80% reimbursement. In most of the claim responses, I probably got back more like 25%. This is certainly better than nothing, but I may need to rethink what I am getting back for what I pay monthly.

Spot deserves 0 stars. My dog needed to be seen for a new heart murmur. I went through the work to find available coupons and discounts for the work that had to be done and ended up saving $211 on the bill. Spot thought I went through the work to benefit them and took the $211 directly off of what they would reimburse me. I contacted them and tried to explain my reasoning with no resolve. Don't get trapped with the Spot, they are just another SLIMY insurance company who will screw customers over just to save a dime. Their customer service sucks and I 1000% would NOT recommend doing business with Spot to cover your furry friends! DO NOT get pulled into their catchy phrases claiming #1 pet insurance, In fact, they are #1 WORST pet insurance!!! There is a reason there are no Google reviews. What a shame, be better Spot.

Spot was a totally frustation to us. Everything looked pretty when we signed up but as soon as we needed them after my first dog Tim went to surgery, everything fell apart. Tim had a non pre-condition proved by our vet through a letter and all the documents they requested. Till the day I am writing this, I am still waiting for an answer (after maybe 4 times trying to get a justification why they are not covering his surgey?) Just to give you an idea how much frustation and unsecurity they brought us, we have a pending case which they have stalled us since November 2024 and when I am writing this is April 2025. Every time we called them to ask for a follow-up, the new person talking to us said the process was never claimed before, or they ask for more documentation to evaluate the claim, or they just dont reply. Don´t recommend it at all, just why I am here in this website looking for another pet insurance.