I recently file 2 claims for our dog. One for over $700 & one for around $300.I reviewed the claims and I’m only getting back around $400!! Not happy! I’ve been paying monthly payments for about 3 years now! Not happy with those results! I will be canceling your services due to that result!!

The price of the policy as compared to the coverage just doesn’t seem feasible. Paying this much for pet insurance and then still having to come out of pocket for more than half of the visits, doesn’t make sense. Once my policy is up I’ll likely go back to paying out of pocket.

I filed a claim for my 7-month-old puppy at the end of August. When I was notified that additional information was needed, customer service informed me to get full notes from my vet and email them. My claim was denied because medical records were required for at least a full year, which didn’t make sense. After two weeks of no response, I called again and was told the claim would be reopened. However, after another week and a half, I was informed that the claim was not reopened. Finally, a third rep reopened my claim and ensured a follow-up. When I received a denial a few days later, it stated that I only had accident coverage instead of both accident and illness. I understand this, but why wasn’t this included in the original denial? Due to the poor customer service and inconsistent responses, I’ve canceled and gone to another service.

I feel like the insurance was too high and it didn't have all the all of the all of the items to you know all of the benefits and it took them 14 days for deposit you know too too long for the policy to the start

I regret going with Spot Insurance and paying upfront for a year. So far they have denied my claims, saying that it's a pre-existing condition. However, my cat was never treated for any of the issues before and the things he was treated for are in no way related to the claims I submitted. They make it impossible to get in touch with customer service to dispute a claim. Can't email or chat online - can only call. However, each time I tried to call I sat on hold for over 30 minutes before giving up. Do not go with this company. There has to be better options out there.

Terrible. They deny your claim without an explanation. Unacceptable!

Poor customer service and don’t reimburse for a lot of things.

Disappointed in the coverage.

I think the general rule of thumb is true that when you really NEED to use pet insurance they're going to find ways to get out of it... I got some of my dog's surgery covered but I had to pay much more out of pocket than I would have expectedd after years of being a client

Paid $635 in vet fees for Spot to cover 80% of a $300 bill this year. Not sure if this was a good financial decision. Only keeping it in case there is some catastrophic incident like a urinary blockage again.