Spot Pet Insurence is a scam. They will not pay for the cost seeing with the vet which you already paid out of pocket. I got the plan accident and illness already 9 months and my two cats are 13 months now. Last 2 weeks ago one of my cat look hard to use litter box and he changed behavior using litter box, so i went to a vet and follow the procedures a vet need to know what happen to him. Then I called the spot customer service for how to claim a bill and she show me how to claim, but also she told me for the future before you payout you have to claim estimate bills first then after they approved i can do process. I was never heard like it before. In my case this is the cat not dog, as long as they are healthy i am not seeing the vet. After claim filled a week later spot asked for the medical record that my cats are not even born date. I called them and told them about it and to file what ever i have. Then I reclaim again with my cat very first vaccine that my breeder took, other than that i do not update any more because they are kitten and healthy. Then they said not eligible of the whole invoice of claim. I called spot and they keep asking vaccine record that i do not have. I can even understand that they do not want to pay total invoice but should be cover for some of them like seeing the vet cost or some medication. I just write about this to understand how they are handling on claiming process. They are just try to find a reasons to not pay back. Also what they sale about coverage and no worry about cost at the beginning are all lie and beware for it. What i paid 9 months insurence $114.61 for both cats doesn’t even cover a penny of first claim. I will end with them.

SPOT PET INSURANCE IS A SCAM! THEY LOVE TAKING MY MONTHLY PREMIUM'S BUT WHEN IT CAME TIME TO MAKE A FIRST CLAIM THEY CAME UP WITH A B.S. PRE-EXISTING CONDITIONS AND WOULD NOT COVER THE TREATMENT OF THE LARGE HEMATOMA ON MY BOYS RIGHT EAR.

Response to claim was quick, but I had to submit twice due to prepayment for one test. I understand the service was not yet rendered, but I wouldn't have paid if I did not intend to drop off the sample. Why make me submit twice... the amount was paid.

I am beyond disappointed with Spot Pet Insurance. They are nothing more than a scam designed to take your money without providing the service they promise. Despite submitting all required documentation multiple times, they denied my claim with the excuse that the records were not provided—this is an outright lie.

Your technicians are really not great at their job nowadays. I have had to jump through so many hoops for 20$ off my heartworm test. Meanwhile we pay you hundreds of dollars and you’re going to nickel and dime your customers for 20$? The first tech couldn’t understand how annual wellness bloodwork included heartworm, so fine, I get the SOAP notes to prove there’s heartworm testing. Only for the second person to tell me I need an invoice showing payment. AS IF THAT WASN’T ALREADY SUPPLIED!! The lack of thought by your employees is quite frustrating. You charge so much and we get so little from the start. Just to have to fight tooth and nail for 20$ off our heartworm test, which by the way doesn’t even cover the entire cost of the test.

It is really hard to get any payment from the insurance. If I could I would give 0 stars to this particular company. I deeply regret I chose Spot Pet Insurance for my cat and spent tons of money on monthly payment instead of paying out of the pocket in the emergency case.

My premium went up roughly 20% with no notice and then a wellness check for my older dog was denied because we also got blood work done to check on liver levels, which were elevated a year ago. I brought this up to the company and said I could have taken my dog in for two separate appointments,(wellness check, and then go back for a blood draw) but that causes extra stress on my dog. Spot Pet Insurance said they want to do everything they can to make their customers happy, but they wouldn't move off of this claim. Clearly they don't want to do everything possible. It was a simple request given I've paid them thousands of dollars. Even if I had not have paid a lot of money already, it is still a reasonable request.

It’s really difficult, to submit to you because you don’t seem to understand the invoices that my Veterinarian sends. So it’s very frustrating.

As my much as I pay each month, I feel it’s not worth it. I haven’t submitted a claim on my dog in a year yet pay approx $50/month. I just submitted a claim for over $300 and barely got $100 covered.

It’s easy to submit claims but sometimes I have to submit the same claims multiple times. The claims I submitted don’t show in the app or sometimes they seem to disappear.