Absolute worst customer service, when they can’t help/ don’t know the answer they just hang up. Also deny claims that are explicitly covered under the contract and again just hang up to avoid accountability. Do not buy this insurance.

Why do you guys use the same excuse to all your customers not to process claims . I’ve gave you all the records, receipts, photos and still you say you havent received them. My hospital tells me you guys find excuses not to pay claims. This needs to be reported. Im going on almost two months fighting with SPOT insurance.

I’ve been a faithful costumer for 3-4 years now and I find it ridiculous I only have a 2500 annual limit for reimbursement. My dog has a 8 thousand dollar surgery and I only get 1200 for it is insane. And I cannot adjust it higher. I’m canceling once my contract is finished. You guys don’t care about pets only want money.

Everything is rejected and what you get reimbursed is not worth it.

Call me. Sent request. No answer. 8@82607397

Every thing you done for me has been great.

For the amount we're paying, seems silly to keep insurance with how much isn't covered. Preventative care is the one thing that should always be covered since if we continue to do so, the insurance companies would be paying less long term. Instead only a fraction is covered. And that's only if you're paying for the Gold or higher

It is too expensive for what you pay out. I would have been much better off without it financially this past year. My veterinarian charges much more than the reimbursement that is allowed

Total scam! Go with a different option. You end up paying MORE using Spot just to have a membership - they cover almost nothing.

Your explanation of coverage is misleading. My plan says it covers surgery, and spaying is surgery. I also have a preventative policy. Your website indicates that spaying as preventative, but doesn’t make it clear that the Gold tier doesn’t include spaying. I will be taking my coverage for both my dogs elsewhere.