After initially thinking I might have finally found a decent pet insurance provider in Spot, I’ve had my confidence in them shattered by one denied claim. My dog’s at‑home cancer screening flagged a moderate risk, so my vet ordered an abdominal ultrasound. Spot refused to classify the ultrasound as a covered diagnostic, even though their illness plan explicitly covers exams, diagnostics and lab tests.

If there were an option to put zero stars I would.

We are still waiting for reimbursement for a $900 vet visit.

Spot's Gold Plan provides for coverage of several important annual vaccines. To be reimbursed, however, Spot requires 2 years of prior Vet care notes.

Not happy with increasing premiums. Also general information should be kept in my pets file with you so only minimal documents have to be submitted. Especially in the case of continuing prescriptions.

I though i was going to get $900 back but only got $700

you've asked me twice for my puppys medical history. I've provided it and you keep asking for records back to 1-1-25. He was born 1-31-2025 and i bought him when he was almost 5 months old. Right after that i took him for shots etc. That is his history

Shame you can’t adjust your annual. Only way you can is canceling and rewriting a new policy, but then anything during the past is considered pre-existing.

Scam! They tell you they reimburse a certain way, but when you file a claim, they don't cover anything you are paying premiums for. I pay for a 90% policy, but that is not how they processed our claims. High premiums compared to reimbursement.

My experience with SpotPetSource has been horrible. Their claims and reimbursement process is unreliable, misleading, and frustrating, making it nearly impossible to trust their service.