Reimbursement amount is seriously bad, considering the amount of premiums we pay it’s rubbish!

The response to my information submitted was excellent. Claims processed quick and payment indicated quickly as well. However, I am confused. When I signed up it indicated that I would receive 80% reimbursement. In most of the claim responses, I probably got back more like 25%. This is certainly better than nothing, but I may need to rethink what I am getting back for what I pay monthly.

DO NOT BUY THIS INSURANCE, IT IS AWFUL. It pays 25.00 for flea meds regardless of how long they last. And keep in mind, this is an extra add-on, you have to pay extra for it. If I get anything for the flea meds, it will be a check for $25.00; a 3-month flea treatment of $75.00. I could have kept the premium and just bought the flea meds. I filed my first claim $275.00. I get an email requiring tons of documentation, vet notes, treatments, and history. Why you ask? The policy with SPOT has a pre-existing clause, SO THEY DON'T HAVE TO PAY. TRUST ME, STAY FAR FAR AWAY. MET-LIFE WAS FAR BETTER, THEY TAKE OVER A MONTH TO PAY, BUT AT LEAST THEY PAY...

Spot deserves 0 stars. My dog needed to be seen for a new heart murmur. I went through the work to find available coupons and discounts for the work that had to be done and ended up saving $211 on the bill. Spot thought I went through the work to benefit them and took the $211 directly off of what they would reimburse me. I contacted them and tried to explain my reasoning with no resolve. Don't get trapped with the Spot, they are just another SLIMY insurance company who will screw customers over just to save a dime. Their customer service sucks and I 1000% would NOT recommend doing business with Spot to cover your furry friends! DO NOT get pulled into their catchy phrases claiming #1 pet insurance, In fact, they are #1 WORST pet insurance!!! There is a reason there are no Google reviews. What a shame, be better Spot. ***Edit after response - If Spot had included the whole invoice in the claim that would make more sense, but it was not. Still very unhappy, and no point reaching out again, because nothing will change, a waste of time.

Spot was a totally frustation to us. Everything looked pretty when we signed up but as soon as we needed them after my first dog Tim went to surgery, everything fell apart. Tim had a non pre-condition proved by our vet through a letter and all the documents they requested. Till the day I am writing this, I am still waiting for an answer (after maybe 4 times trying to get a justification why they are not covering his surgey?) Just to give you an idea how much frustation and unsecurity they brought us, we have a pending case which they have stalled us since November 2024 and when I am writing this is April 2025. Every time we called them to ask for a follow-up, the new person talking to us said the process was never claimed before, or they ask for more documentation to evaluate the claim, or they just dont reply. Don´t recommend it at all, just why I am here in this website looking for another pet insurance.

Still waiting on my refund.

When making the claim I was never told where the money was gonna be sent to process was quick but no way to see if and when and where the money will be refunded to.

Every claim I have written has been denied. They have asked for medial records for minimum of 1 year and my dog isn't one year old. I have also submitted other claims and they were denied as pre-existing conditions. Upon supplying additional information the claims were still denied. DO NOT GO HERE you will write a check for insurance only for all claims to be denied.

This company is a SCAM! They denied my claim for my dog's hospital visit without explanation. Please don't fall for this fraudulent company.

Worst insurance company. Do not hire this company. They will not approve any of your claims although perfectly legitimate and inline with supposed coverage. Spent an hour on the phone with customer service and they stated that my dog was completely covered for a dental cleaning only to get completely denied. Very unprofessional. Do not recommend. No one was willing to be helpful. Claimed to reach out to Vet office which was false. When proper documentation was provided, I was denied. I’m absolutely disappointed as I’m out of $1000.