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. We are looking into new insurance. I would never recommend this company.

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.

Horrible customer service. You weren't able to get my pets vet records themselves even though it says you can do that. But whatever ok fine, I call my vet and have him send everything over. Then I get another email from you saying that the records aren't complete and you need more. I call my vet again and have him resend everything and also cc me in the email. Everything is there. I reply to you, "that's everything, we literally don't have more records." no reply for a week. My partner calls you and the person we spoke to insists on needing more records. There. Aren't. Any. I finally get another email back from you too, saying again that you need more records?!??!! I'm like how many godforsaken times do I need to tell you there literally are not more records!! Finally it seems like you bufoons get it, and start processing the claim. Miserable and stressful experience and a waste of my time and money.

I purchased insurance from Spot Insurance based on good reviews I saw online after my former pet insurance stopped underwriting my type of policy in Florida. Every illness claim has been rejected as pre-existing conditions. Examples: My pet had a corneal ulcer in one of his eyes prior to my policy. He later had a corneal ulcer in the OPPOSITE eye. To Spot Insurance, this was pre-existing (I did appeal it but their customer service did not reach out.) Another example--my dog has had a valve heart murmur for year. It is completely stable and does not require any treatment. He recently developed a completely different heart condition. I specifically asked my veterinarian if it was related to the valve murmur. She said not at all. You guessed it. To Spot Pet Insurance it is pre-existing. I'm so disappointed in this company and would not recommend them to anyone. Save your money! You can use it to pay for all the conditions that Spot wouldn't cover anyway.

They try their best not to pay claims if you have cancelled your policy even though the claim was submitted prior to cancellation.

I bought insurance for my dog. Had two appointments the first was $650 of which they reimbursed $150 the second two weeks later for $1005 and they refused to reimburse me because they said it was not within the waiting period! This is ridiculous!!!! Poor customer service lies and they don’t care at all !!