I submitted my first claim for my dog's sick visit to a clinic which was denied within a matter of days without any phone call to me due to missing vet exam notes. I made multiple calls and emails to Spot confirming the vet had sent the exam notes and the claim would be reopened. The reps confirmed receipt of the notes. When the claim was not reopened as promised after 6 more days, I called again. This final time I called the rep said they never received anything which was a complete contradiction to the previous calls I had made. I cancelled the policy at that point since it was such a massive hassle on the very first claim. Waste of money on premium payments.

Unfortunately, my experience with Spot Insurance was deeply disappointing. After insuring my cats, Gwendolyn and Wessley, and submitting multiple claims for each, all were denied with explanations that felt dismissive and inconsistent. Despite my appeal and supporting documentation, their resolution process felt more like a formality than a genuine review.

BEWARE! I got this insurance for my pet and when the time came to submit claims, I got rejected because underwriting was saying there was a pre existing condition which there was not. I honestly believe they make up reasons up NOT to reimburse you, please reconsider before purchasing this. Oh and to boot, their customer service agent did everything in her power to cover up why the claim was rejected, even lying about what the paperwork said.

I have not received my refund for Swopie as today date. It another second check for my initial refund on Smokie.

I believe the turnaround time for reviewing a claim is fast. However, the reimbursement isn't that great. I'm considering just putting my money into a savings account. Seems much better. I pay over $175 a month in 12 months that is roughly $2,100.00 a year. My recent vet bill was $435 for his senior wellness exam. I was only reimbursed $175. Doesn't pay my credit card down at all. That's why I think it would be better for me to just put my monthly payment into a savings account. Then use that money to pay my vet bill. That will keep my credit card bill down.

I had Bivvy previously and think it is unfair that all my pet’s allergies that were covered under Bivvy are now considered preexisting conditions under Spot. In addition, for as much as I spend on Sage’s insurance, I feel that I should be fully reimbursed for all charges associated with his annual wellness exam.

Took my dog to the vet and did a claim they sent it too the vet they had to cancel that check and still waiting for the check I called them and their stating that they have too reissued me another check

False and deceptive transactional messaging. Will promise you a check in 5-7/10 business days but then will tell you to wait 30 days! They Have absolutely no issues taking out your money but every issue giving it back. I switched to spot from lemonade because it was cheaper now I see why. Worst mistake I have ever made!

For what I paid out, didn’t get much back.

Filed claim and didn’t get an option for direct deposit so have to wait a week for them to mail a physical check.