Your explanation of coverage is misleading. My plan says it covers surgery, and spaying is surgery. I also have a preventative policy. Your website indicates that spaying as preventative, but doesn’t make it clear that the Gold tier doesn’t include spaying. I will be taking my coverage for both my dogs elsewhere.

Spot placed so many barriers to my first claim, I canceled in frustration: 1) calls went to an off-shore answering service that was useless; 2) the claim was commingled with an invoice among my pet’s medical history and that had to be removed by an agent of the company; and 3) the company continued to ask for medical records that were far more clinical than required. Not recommended unless you are willing to put up with confusion and processing delays.

Still waiting for my reimbursement for my claim. I emailed. So far no response.

multiple claims denied that are covered. for every time you submit a claim you have to resend medical history for every single vet visit your pet has been to in the past, Why don't they keep that on file? Then they deny it. waiting on over $1000 in reimbursement for covered claims that they are denying.

I enrolled a new cat, my family, and added a plan. Long story short I received some emails and I had a lot of questions concerning how I and what process I had to go through in order to get insurance. I called several times and I kept getting a lady that did not speak English well and any question that I had. I’m sure she was reading from a manual on what she should answer. I follow spot on TikTok and sent a message and I did get a call back and the issue got taken care of. I have been a customer for I’m sure at least two years with one cat I added you guys because I feel safe with my cat having you as insurance.

Rates have gone up twice in less than two years, and the coverage is abysmal. $50 coverage for a $130 checkup?? I've been paying $80 a month for almost two years now and am seriously considering switching.

I wanted to change my plan to cover more for my dog. I waited a whole year so I could go in and change it, but i didn’t receive any emails prompting me for an opportunity or window slot to change. I need some assistance

DID NOT LIKE TALKING TO SOMEONE IN ANOTHER COUNTRY AND COULD NOT UNDERSTAND THEM. WANT AMERICAN PEOPLE

Spot insurance does a fantastic job when it comes to hanging up over the phone. If your pet has any chronic disease or god forbid they get the same disease twice like periodontal disease. Know that it will not be covered, any cash you pay for a disease that happens more than once, even if it is a year apart, will not be covered. Also know that their service line does not help customers, they love to hang up if they feel that you are frustrated. Obviously when you get hung up on it makes a person feel way more frustrated. Go figure

In general it seems like I'm paying a lot of money and not getting much back in reimbursement or benefits.