It is really hard to get any payment from the insurance. If I could I would give 0 stars to this particular company. I deeply regret I chose Spot Pet Insurance for my cat and spent tons of money on monthly payment instead of paying out of the pocket in the emergency case.

My premium went up roughly 20% with no notice and then a wellness check for my older dog was denied because we also got blood work done to check on liver levels, which were elevated a year ago. I brought this up to the company and said I could have taken my dog in for two separate appointments,(wellness check, and then go back for a blood draw) but that causes extra stress on my dog. Spot Pet Insurance said they want to do everything they can to make their customers happy, but they wouldn't move off of this claim. Clearly they don't want to do everything possible. It was a simple request given I've paid them thousands of dollars. Even if I had not have paid a lot of money already, it is still a reasonable request.

It’s really difficult, to submit to you because you don’t seem to understand the invoices that my Veterinarian sends. So it’s very frustrating.

As my much as I pay each month, I feel it’s not worth it. I haven’t submitted a claim on my dog in a year yet pay approx $50/month. I just submitted a claim for over $300 and barely got $100 covered.

It’s easy to submit claims but sometimes I have to submit the same claims multiple times. The claims I submitted don’t show in the app or sometimes they seem to disappear.

I submitted my first claim for my dog's sick visit to a clinic which was denied within a matter of days without any phone call to me due to missing vet exam notes. I made multiple calls and emails to Spot confirming the vet had sent the exam notes and the claim would be reopened. The reps confirmed receipt of the notes. When the claim was not reopened as promised after 6 more days, I called again. This final time I called the rep said they never received anything which was a complete contradiction to the previous calls I had made. I cancelled the policy at that point since it was such a massive hassle on the very first claim. Waste of money on premium payments.

Unfortunately, my experience with Spot Insurance was deeply disappointing. After insuring my cats, Gwendolyn and Wessley, and submitting multiple claims for each, all were denied with explanations that felt dismissive and inconsistent. Despite my appeal and supporting documentation, their resolution process felt more like a formality than a genuine review.

BEWARE! I got this insurance for my pet and when the time came to submit claims, I got rejected because underwriting was saying there was a pre existing condition which there was not. I honestly believe they make up reasons up NOT to reimburse you, please reconsider before purchasing this. Oh and to boot, their customer service agent did everything in her power to cover up why the claim was rejected, even lying about what the paperwork said.

I have not received my refund for Swopie as today date. It another second check for my initial refund on Smokie.

I believe the turnaround time for reviewing a claim is fast. However, the reimbursement isn't that great. I'm considering just putting my money into a savings account. Seems much better. I pay over $175 a month in 12 months that is roughly $2,100.00 a year. My recent vet bill was $435 for his senior wellness exam. I was only reimbursed $175. Doesn't pay my credit card down at all. That's why I think it would be better for me to just put my monthly payment into a savings account. Then use that money to pay my vet bill. That will keep my credit card bill down.