The reimbursement is only half as much as I paid.

I submitted a claim for my pups ER visit and I was asked to resubmit all of his records for the past year again!! 44 pages of info!! I was told by the first representative that they didn’t have his records which was to me very upsetting since I had to email everything when I opened the policy. I had to call back to get a representative that was very helpful and found his information. She was going yo get my claim looked at again right away.

WENT UP ON MY MO. PAYMENT DID NOT KNOW IT UNTIL I HAD PAY IT. WE HAVE HAD VERY FEW CLAIMS. WE ARE ON SOCIAL SECURITY AND CAN NOT AFFORD IT!!!!!! SO EITHER YOU GO DOWN ON PAYMENT OR CANCEL POLICY!

If I could give them a ZERO, I would.

The policy terms and what is covered are not clear. For example flea and heartworm preventive is only covered at $25 per year not per treatment. The website states no waiting period that is wrong. My first claim was denied because they stated my policy was not active yet. I have had 5 claims submitted and only 3 paid. Not worth the money. I will not be renewing my policy. VERY DISAPPOINTED!!

They refuse to cover ANYTHING and will blatantly lie and gaslight you when you try to confront them about anything. They told me my cat had "never received a dental cleaning" even though it was CLEARLY in his claims records that he has one before. They just adamantly denied it and said "well you can try to appeal if you want". They are a SCAM.

I am disappointed with the low pay out for my dogs vet bills.

I don't recommend this insurance. They cover absolutely nothing. Let's do the math here. I paid vet 442.24. I got the insurance with 80 percent reimbursement. I also added dental and wellness care. I pay $162. 71 a month to Spot insurance. They reimburse me $100. If I'm paying Spot $162 then pay vet $442.24 and got $100 back why do I need this insurance???? The one I had before them were 10 times better. The reason I switched insurance was because that insurance was for one specific veterinarian office you couldn't go anywhere else so that office would always be understaffed and didn't have availability to see my babies and had to pay other outside cost. I was extremely disappointed with this insurance. So no it's not worth paying $162 every month and my dogs aren't sick thank God I feed them fresh food but they do need shots for allergy season heart worth dental and check ups. Just in case of an accident it's smart to have insurance but not this one. The other insurance the payment was about $11 more but they paid majority of the vet bills. No question asked. Spot wanted past medical records that wasn't asked when you first apply which would been more understandable. I cancelled immediately. I went to another insurance this time I'm gonna talk to an agent before getting insurance.

📍 Spot Pet Insurance – Kitten Plan (Advanced + Routine Care)

The amount covered by spot for yearly vaccinations is fairly low. The amount that’s covered by insurance only saved me very little from the vet bill I had for my puppies vaccine and yearly check up. Soot doesn’t give much for neutering my dog and nothing from my last vet visit went to my deductible. So I do wonder what the point of having pet insurance is right now