I have been a client for over 18 years with multiple dogs. Today I found out that because I paid for one of my dogs policies in full, her policy actually lapsed and she didn’t have coverage for the last month. With my other dogs, their policies automatically renewed. The policy could not be reinstated and actually had to create a new policy. I am very upset by this. With that said my dog now does not have coverage and will not for at least two weeks. In addition, I submitted a bill for $191 that could’ve went to my deductible for the year, and now that doesn’t count.

Y'all have gone up in price 3x and lowered benefits in a span of one year.

This company is horrible! What a scam they pull. We adopted a Golden Retriever in July 2024. Purchased pet insurance from Spot and chose “Accident Only”. We passed all waiting periods and made monthly payments on time. Cut to March 2025, my dog became injured in the backyard after his morning walk. He was playing and running, and slipped in the wet grass. He then became unwilling to stand and unwilling to walk as the afternoon progressed. We made the decision to take him to emergency vet where radiographs were taken and pain meds and anti inflammatory given. We then submitted a claim which was promptly denied as we didn’t provide an “exact and specific time” for the incident. We immediately appealed and provided ALL of his medical records AGAIN (this was also done at the application time). The appeal was just denied. What an absolute bait and switch this company pulled. Be very aware of doing business with them.

My policy has increased 50% for a single cat that hasn’t had any claims since starting with this company. I reached out and was told the increase was "necessary due to either the age of your pet, advances in veterinary medicine, or an update to the coverage that your policy provides". I compared the new policy to the last and there was no change in coverage. My cat is 12. The premium went from $742.92 to $1,113.72. In my opinion they are preying on pet parents. If you already have a policy, be sure to login to the site often and diligently check your mail towards your annual date because your payment could increase over $30/m.

Terribel outcome, many delays, extra notifications each monday regarding missing documenst and proof of payment. Every time I upload a claim I called petsbest and talk with an agent making sure all documets are uploaded and STILL delays. They said that there is no way to escalate or to talk with a supervisor. I strongly regret I have my pets with another pet insurance and I thought to move them. Bad choice now I can not move them to another insurance, They need verbal confirmation about proof of payments and that is a first and I had 3 excellent insurances before and the turn around was at most a week. Only because the sad memories of the other ones I thought to have this petsbest. Phone recording is so long insisting to go to the web site.... thenwhat? Here with pest bets says that can take up to 4 days. WHY, all documenst are okai and submitted correctly. I submited a complain to them, I also got a fax from them. Also I did a review in Google and I just dont want other pets parents to go through like me with endless reviews and doubts even with a credit card statement that did niot have my name on it but the amount mach the veterinary services. The more than 30 days delays I paid in extra fees and credit card charges just because theey dont feel like doing the process better for the clients. It is deplorable, there are no supervisors that will call back either, I tried that.

My dog tore her ACL, it took this company over a month to review the claim. They denied the claim for pre existing condition. She can only tear an ACL one time. When she passed away it took them 4 days to read my email and cancel her policy. Billing, it's ridiculous to charge $2 per month, per pet for billing. I can not always pay ahead of time as they claim you can. I can't use my prepaid debit card for automatic billing.

My dog recently had an issue with an abscessed tooth, which she is still being treated for. The company has repeatedly denied insurance claims, citing a pre-existing condition, because the vet records show she had plaque on her teeth and gum disease signs in the past. The vet has confirmed these are not related and information has been repeatedly provided to Spot, yet they are still refusing to reimburse the claims. There will be other claims coming as well as she is still under treatment that I'm sure will be denied as well.

Absolutely the worst Pet Insurance Company! Filed a WELLNESS Claim and they denied it even though it was covered. I have sent in the Invoices 19 times and they say they can't read them, but I sent the same invoices to other people and they are just fine. SPOT PET INSURANCE IS A SCAM! DO NOT USE!

SCAM. If you don’t get insurance when your dog is born, everything will be considered a preexisting condition.

the website froze sooo many times that I had to start over 3 times. other than that was easy to set up