Never cover cat sick period.

After several claims: is clear that preventive care reimbursements are not realitybase. Treatment claims (at least once) declined erroneously.

First off, I would like to say I loved how quickly I was responded to! I gave only 3 stars because I sent in two different claims and was told they were one in the same. They were different. One was from last year and one was from this year. Otherwise, I would have given 5 stars if I had been told that I couldn't submit a claim from the previous year.

Hard to determine what is covered and what is not. When you decline something at least send a email explaining why I shouldn't have to call.

I was issued reimbursement for my puppy on December 30,2024. I was told check was mailed out on January 3, 2025. Told to wait 7 to 10 business days which I did. No check. Called and was told to give it until the 17th of January but still no check. Called again and was told to give it until the 20 of January. Still no check. Called on the 21 of January and was issued a new check and now they have went from a check arriving in 7 to 10 days to saying it will be up to 20 business days for me to receive my check. I have direct deposit but yet they say they can’t put it in direct deposit because I didn’t sign up for direct deposited when I first did the claim. There is no way that it takes a check this long to arrive to anybody. This place is not reliable and I would advise people not to use this insurance for your pet cause you will not get your money back in a timely manner and they will feed you with false information about your reimbursement. This is my first and last time using this company and I have opted out of this service. Will not ever be using Spot again.

If I could leave NO stars I would!! NO transparency-- they denied my claim because my 18 month old did not have a full dental cleaning on file... she had a BOAS procedure after a consultation with a specialist (she's a Frenchie) but they considered it a pre-existing condition because she was treated for a upper respiratory infection a year ago. This company is a racket and will find ANY loop hole to NOT pay your claim!!!

Spot Pet Insurance has a 14 day waiting period between the time you purchase the insurance and when you can actually use it. If this was mentioned up front I would NOT have signed up. Since my pet had an appointment in the waiting period it's going to be considered a "pre-existing" condition. I would have to wait 180 days to see if it would even be covered because of this. Pardon my French but this is completely BS. They thankfully will be refunding me my initial payment for signing up but now I'm out $360 for a rule that they were not transparent about. New pet owners, DO NOT GET SPOT!

This pet insurance company has deliberately misleading language in their online sign up process relating to waiting periods. They state that you may not file claims for any condition treated during the waiting period. This would mean claims would be denied if they took place during this period. I found out today that in reality any condition DISCOVERED during the waiting period will not only not be covered for the visit, but will also be logged a pre-existing condition for future denials, even though it occured after the start of the plan. Now with a 180 day term for a consideration of not being pre-existing, our dog has a monthly preventative prescription that will NEVER be covered because Spot relates to that keyword in her diagnosis. Furthermore I am now permanently stuck paying out of pocket with no insurance coverage since at this point these are now all 'pre-existing'. Absolutely heartless scam artists.

I have been trying to add my new dog with no success

I’m switching to Embrace.