Absolute worst customer service, when they can’t help/ don’t know the answer they just hang up. Also deny claims that are explicitly covered under the contract and again just hang up to avoid accountability. Do not buy this insurance.

Why do you guys use the same excuse to all your customers not to process claims . I’ve gave you all the records, receipts, photos and still you say you havent received them. My hospital tells me you guys find excuses not to pay claims. This needs to be reported. Im going on almost two months fighting with SPOT insurance.

I’ve been a faithful costumer for 3-4 years now and I find it ridiculous I only have a 2500 annual limit for reimbursement. My dog has a 8 thousand dollar surgery and I only get 1200 for it is insane. And I cannot adjust it higher. I’m canceling once my contract is finished. You guys don’t care about pets only want money.

Everything is rejected and what you get reimbursed is not worth it.

Call me. Sent request. No answer. 8@82607397

Every thing you done for me has been great.

Absolutely abysmal - a total scam. (Just read the zillion awful reviews on the BBB pages) Had accident coverage for my cat who threw up blood one day. Vet did bloodwork and examined him and determined he’d eaten something weird and was fine (which he was, thankfully). Spot denied my claim (over $600) repeatedly saying he was ill. He’s never been ill a day in his life - which my vet tried repeatedly to dispute (as did I). The bloodwork was clear and there was literally nothing that would lead to that false conclusion. Did they care? Nope. BOTTOM OF THE BARREL

For the amount we're paying, seems silly to keep insurance with how much isn't covered. Preventative care is the one thing that should always be covered since if we continue to do so, the insurance companies would be paying less long term. Instead only a fraction is covered. And that's only if you're paying for the Gold or higher

It is too expensive for what you pay out. I would have been much better off without it financially this past year. My veterinarian charges much more than the reimbursement that is allowed

Total scam! Go with a different option. You end up paying MORE using Spot just to have a membership - they cover almost nothing.