I’m switching to Embrace.

They charged my account for 3 months even though I cancelled it the day after I started because I found somewhere cheaper They refuse to help me and won’t give me my money back!!! STAY AWAY!!!

I purchased the Preventive Care Gold plan which documents that an annual rabies vaccination will be reimbursed up to $20 annually. They "denied" my reimbursement, stating that the rabies vaccine that my cat received this January was "not" a rabies vaccine, even though I have an invoice from my vet with "rabies vaccine" on the invoice. I won't renew my policy, as it expires in early March anyway. I don't have time to deal with absurdity. 02/03/2025 Update. Spot Pet Insurance emailed me to verify that I had an actual claim number which I provided. After review, their response was to stand by their denial. 02/03/2025 Update 2. I received a phone call from Spot Pet Insurance to tell me that my initial claim was valid, that they had incorrectly processed the rabies vaccine, and that I would be receiving the benefit of the $20 reimbursement. Will update again when the funds are received. 02/11/2025 Update 3. I did finally receive the $20 benefit for my cat's rabies vaccine from the Preventive Care Gold plan. It took this review, an email, 2 phone calls, and 2 weeks and 2 days. Review changed from 1 star to 3 stars, because they did correct their mistake.

I have the wellness and illness and accident coverage. Of a wellness examine and some vacs it was 170$. Ok was reimbursed like we $54. Seems low. I think my dog has zero vet visits this year as well. Maybe one.

We used to have Nationwide for pet insurance until they stopped offering it. With Spot we pay over $100 a month. We have our deductible paid fir year and 90% that they are supposed to pay. Dog had teeth cleaning done with a few extractions. Bill was around $900. We are only getting $150 back from Spot. Looking at coverage they should have paid ALOT more! Funny this us exactly the same amount we got for a $350 bill three weeks prior for blood work. Im getting a feeling Spot is a scam and they lie to get your money. DO NOT USE SPOT!

This pet insurance is a complete RIP off, two dogs and paying over $120 a month for even the premium care and all of that, just to get back $25 on over $600 of a bill. WHAT A SLAP IN THE FACE. They DO NOT give you anything written that shows HOW they came up with that, and try to mess with you and never call you back when promise. Also, had to follow up 17 times in two weeks JUST to get an answer. They automatically send INCORRECT information out. STAY FAR AND CLEAR from this insurance that steals money!

The process for filing a claim was unnecessarily complicated. After filing the initial claim they requested additional documents from us which we provided. It took them over a month of back and forth calls and emails to actually acknowledge that they received the documents we sent. During which time they repeatedly denied the claim stating that they did not receive the documents (they did). After almost two months they finally denied our claim. When we called and asked why, they stated that it was an issue with one of the documents from the vet. They told us we could call and ask the vet to change the medical records in order for the claim to go through. After such a long headache of them not communicating and then suggesting that we ask a vet to change records, we decided that Spot Pet Insurance was not for us and canceled our coverage. Our overall experience was incredibly frustrating and disappointing.

They charged my account for three payments that I was behind without telling me. They also indicated that my pets were not covered then but still took out the payments without informing me. Total scam

Never, never, ever would I recommend Spot for pet insurance. I was really on the fence about continuing my pet insurance after year one. So I called and talked to a representative and decided to cancel, but I was also a heavy user of the Spot app to check my bill date, coverage etc. Long story short I decided to cancel by phone in December, but in January I went on the app and renewed my policy. I even chose different coverage amounts and had a brand new premium. I was thinking this is great and convenient! However, in February I received a notice that I was dropped. No reminder leading up to that date, just your policy is over. That shouldn’t have been the case anyway since I renewed in the app with plenty of time left in my policy. Obviously I called to see what happened. My only response after talking to multiple people at Spot was, “Sorry the app doesn’t count you have to call back.” The representative should have told you this.” I was blown away. I was thinking to myself are they talking about those disclosures like “this call is being recording for quality training purposes.” I was blown away. What is the point of the app if you can’t actually use it and the app is not honored. Who has time to make a call sometimes? Also, how dumb of a company policy when you could continue to receive payments from a customer for an entire year. These insurance policies are not like car insurance that you can cancel or change at any time. You are locked in for a year. What is the real kicker is that after dropping me, anything that I had previously put in as a claim for my dog is now considered a pre-existing condition. Spot utilizes deceptive business practices and is just shady in their dealings. If you care about your pet, don’t even consider Spot! Updated 02-19-2025 after response from Spot and absolutely nothing changed. Don’t be fooled!

If NO star was an option to submit with a review, I’d have done that! In big caps, DISAPPOINTED, HIGHLY! I will NEVER recommend this pet insurance to any of my friends and family for their furry kids! I bought this pet insurance for our 3 furry kids, a 10 year old Yorkie, 10 year old Siamese cat, and a 9 year old Shih Tzu. Our 10 year old Yorkie had teeth extraction, preliminary blood tests prior to the surgery and a microchip installation. My plan had the additional preventative care as well and all treatments were very clearly listed as covered! They had the requirement to have up to 12 months of medical history from the Vet! Fortunately, our furry kids are healthy and except their annual vaccinations, they hardly ever visit their Vet! Their Doc even makes fun that RIGALI-Malik kids are back for their boring annuals! This Insurance completed our Yorkie’s claim with $0 reimbursement with absolutely NO notes and a reason as to why nothing was reimbursed! I had to make numerous calls demanding an explanation! Their broken record was that we don’t have Tobias records for all 12 months and other vets! After confirming gazillion times that our kids always have had ONLY ONE vet since they became our family and that they hardly visit their vet except their annuals, WTH you want the vet to submit for every month that Tobias stopped by to say Hello in the month of January????? I have cancelled insurance for my kids and will NEVER reconsider them! They still have NOT reimbursed a dime! Stay away from them! They love to take the premiums and reimburse a big fat ZERO! Worst insurance and customer service EVER!