This company is a scam and will find unreasonable excuses not to cover things. Their customer service representatives do not care at all are rude and will offer zero explanation for anything.

I chose Spot this time partially because they supposedly have better comprehensive and dental coverage than other companies. My dog has a fractured a tooth and may need a root canal to save it. I understand that the policy does not cover a root canal procedure, but now they tell me that they will not cover any expenses associated with it even though the exact same expenses (exam, x-rays and anesthesia) would be covered for an extraction. I plan on changing to a company I can trust!

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I am spending more on Insurance then at the vet. I am not sure the cost is worth the benefit. The APP is easy and submitting for reimbursement is quick. Again, not sure it is worth the price, though.

Spot pet insurance won't cover emergency visits because they're "pre-existing conditions". If my dog eats some garbage then needs her stomach pumped, this won't be covered if it happens more once within 6 months. This is insane and a complete waste of my money, the coverage is underwhelming even for the most basic of plans. Don't buy Spot pet insurance

Spot pays quickly what you pay upfront. Deductible is half what other companies charge. But if you have to wait a full year to submit a claim, you are out of luck. So really, you are forced to go elsewhere. Other companies offer 90% not 80% and do not have a limit of claim amounts. So choose wisely, it sounds good and for no problems it is great.

Enjoy the quick turnaround. Too bad they don't cover much for annual exams.

spot did not cover my valid claim for a biopsy ,they denied it check all of thier reviews. I just filled a BBB complaint . Spot responded here but never contacted me . I called 1/07/24 and the representative couldn't locate a manager /supervisor and they also have not responded to my email. Check Spot reviews on yelp ...Revised Statement: It has come to my attention that Spot Pet Insurance canceled my policy as of November 2, 2024, without providing any prior communication, explanation, or refund for unused premiums. On January 13, 2025, I contacted customer service, where a representative appeared unclear about the matter and informed me after an extended call that the issue would be escalated to senior management. Despite this, I have received no follow-up communication or resolution. I subsequently filed a complaint with the Better Business Bureau (BBB). However, Spot Pet Insurance responded to the BBB with a generic statement claiming they are resolving the matter with me, which is factually incorrect. I have initiated all communication, and no manager or higher authority has been made available to address my concerns. Customer service has proven unhelpful, and this lack of transparency and resolution is unacceptable. I am formally escalating this matter by filing complaints with the New Jersey Department of Banking and Insurance (NJDOBI) and the New Jersey Division of Consumer Affairs to investigate Spot Pet Insurance's handling of this situation. I reserve the right to pursue all appropriate legal remedies should this matter remain unresolved.

Everything will be a preexisting condition and denied coverage, including curable infections that have been healed. Waste of money.

The service has been great. I'm upset that my previous service was not honored eventhough you were the recommended new provider. Edit to my review : 1/2/2025. I called as suggested and the prior condition still wasn't honored from the other company switch. This was a waste of my time calling.